# EDGAR Filing Document

**Accession Number:** 0002100736
**File Stem:** 0000929638-26-001557
**Filing Date:** 2026-4
**Character Count:** 3798421
**Document Hash:** 875b07da88a716b5a1359c1b3f2f6c97
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000929638-26-001557.hdr.sgml**: 20260424

**ACCESSION NUMBER**: 0000929638-26-001557

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

**PUBLIC DOCUMENT COUNT**: 55

**CONFORMED PERIOD OF REPORT**: 20260424

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

**FILED AS OF DATE**: 20260424

**DATE AS OF CHANGE**: 20260424

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Aspire Depositor, LLC
- **CENTRAL INDEX KEY:** 0002100736

**ORGANIZATION NAME:**
- **EIN:** 680406099
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-08294
- **FILM NUMBER:** 26892525

**BUSINESS ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941
- **BUSINESS PHONE:** 415-389-7373

**MAIL ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Aspire Depositor, LLC
- **CENTRAL INDEX KEY:** 0002100736

**ORGANIZATION NAME:**
- **EIN:** 680406099
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941
- **BUSINESS PHONE:** 415-389-7373

**MAIL ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941

#### UNITED STATES

#### SECURITIES AND EXCHANGE COMMISSION

#### Washington, D.C. 20549

#### FORM ABS-15G

#### ASSET-BACKED SECURITIZER

#### REPORT PURSUANT TO SECTION 15G OF

#### THE SECURITIES EXCHANGE ACT OF 1934

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

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

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

<u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u> <br> Name and telephone number, including area code, of the person to

contact in connection with this filing.

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

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

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

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

Central Index Key Number of depositor: 0002100736

Central Index Key Number of sponsor: 0002100731

<u>Aspire Mortgage Trust 2026-2</u>

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

Central Index Key Number of issuing entity (if applicable): N/A

Central Index Key Number of underwriter (if applicable): N/A

<u>Ashley Templeton, (303) 376-3688</u><br> Name and telephone number, including area code, of the person to

contact in connection with this filing.

------

#### INFORMATION TO BE INCLUDED IN THE REPORT

---

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

---

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached as Exhibits to this Form ABS-15G. Please see the Exhibit Index for the related information. In addition, please see Exhibit 99.43 for a list of Redacted Loan IDs relating to mortgage loans for which the findings and conclusions contained in Exhibits 99.1, 99.2, 99.3, 99.4, 99.5, 99.6, 99.7, 99.14, 99.15, 99.16, 99.17, 99.18, 99.19, 99.20, 99.27, 99.28, 99.29, 99.30, 99.31, 99.32, 99.33 and 99.34 should be disregarded, as they related to mortgage loans which are being excluded from a securitization transaction contemplated by Aspire Mortgage Trust 2026-2. For the avoidance of doubt, all mortgage loans included in Exhibits 99.8, 99.9, 99.10, 99.11, 99.12, 99.13, 99.21, 99.22, 99.23, 99.24, 99.25, 99.26, 99.35, 99.36, 99.37, 99.38, 99.39, 99.40, 99.41 and 99.42 shall be included in the securitization transaction contemplated by Aspire Mortgage Trust 2026-2.

------

#### SIGNATURES

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

Dated: April 24, 2026

---

| | | |
|:---|:---|:---|
| ASPIRE DEPOSITOR, LLC | ASPIRE DEPOSITOR, LLC | ASPIRE DEPOSITOR, LLC |
| (Depositor) | (Depositor) | (Depositor) |
| By:&nbsp;&nbsp;&nbsp;&nbsp;  | <u>/s/ Eric Bisman&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u>  | <u>/s/ Eric Bisman&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u>  |
|  | Name:  | Eric Bisman |
|  | Title: | Authorized Officer |

---

------

#### EXHIBIT INDEX

<u>Exhibit Number</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.1 Clayton Services LLC ("Clayton") Due Diligence Narrative Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.2 Clayton ATR QM Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.3 Clayton Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.4 Clayton Loan Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.5 Clayton Rating Agency ATR QM Data Fields

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.6 Clayton Valuations Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.7 Clayton Waived Conditions Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.8 AMC Diligence, LLC ("AMC") Due Diligence Executive Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.9 AMC Rating Agency Grades

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.10 AMC Exception Grades

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.11 AMC Valuation Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.12 AMC Supplemental Data

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.13 AMC Business Purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.14 Consolidated Analytics, Inc ("Consolidated Analytics") Executive Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.15 Consolidated Analytics Data Compare Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.16 Consolidated Analytics Due Diligence Standard Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.17 Consolidated Analytics Rating Agency Grades Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.18 Consolidated Analytics Valuations Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.19 Consolidated Analytics Supplemental Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.20 Consolidated Analytics Additional Securitization Data

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.21 Opus Capital Markets Consultants, LLC ("Opus") Executive Narrative

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.22 Opus Rating Agency Grades Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.23 Opus ATR OR QM Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.24 Opus Supplemental Data Extract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.25 Opus Business Purpose Supplement Extract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.26 Opus Valuation Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.27 Clarifii LLC ("Clarifii") Executive Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.28 Clarifii Valuation Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.29 Clarifii Supplemental Data Extract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.30 Clarifii Rating Agency Grade Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.31 Clarifii Data Compare Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.32 Clarifii Rating Agency Grade Detail Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.33 Clarifii Business Purpose Supplement Extract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.34 Clarifii ATR OR QM Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.35 Canopy Financial Technology Partners LLC ("Canopy") Narrative

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.36 Canopy Supplemental Data Extract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.37 Canopy Business Purpose Supplement Extract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.38 Canopy Rating Agency Grades Detail Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.39 Canopy Rating Agency Grades Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.40 Canopy Valuation Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.41 Canopy ATR OR QM Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.42 Canopy Data Compare Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.43 Mortgage Loans Excluded from Securitization Transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.44 Report of Independent Accountants on Applying Agreed-Upon Procedures, dated April 21, 2026

## Exhibit 99.1

![](clayton_logo.gif)

SPIRE 2026-2 <br>

![](clayton_cover.jpg)

### Due Diligence Narrative Report

### <br>

### April 14, 2026<br>

### <br>

------

![](clayton_logo.gif)

 **TABLE OF CONTENTS**

<br> ---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2**  |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3**<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Sampling* | *3* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Sponsor Acquisition Criteria* | *3* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Loan Grading* | *3*<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *TPR Component Review Scope* | *4*<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Credit Review | 4<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Data Capture* | *6* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Data Integrity* | *6* |
| **Data Compare Results** | **7**  |
| **Clayton Due Diligence Results** | **7**<br>|
| **Clayton Third Party Reports Delivered** | **9**<br>|
| **Appendix A: Credit Review Scope** | **10**  |
| **Appendix B: Origination Appraisal Assessment**<br>| 13  |
| **Appendix C: Regulatory Compliance Review Scope** | **16**<br>|

---

SPIRE 2026-2 Due Diligence Narrative Report Page \| 1 April 14, 2026

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![](clayton_logo.gif)

#### CLAYTON CONTACT INFORMATION
Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](bullet.gif) | **Chris Turk**<br>| Client Service Manager<br>|
|  |  | Phone: (813) 472-6509/E-mail: <u>cturk</u><u>@clayton.com</u> |
| ![](bullet.gif) | **Joe Ozment** | Director of Securitization<br>|
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

OVERVIEW

On behalf of HomeXpress Mortgage Corp ("HomeXpress"), Clayton conducted an independent third-party pre-securitization due diligence review of 9 residential loans. The due diligence for NewRez (9 loans) took place in July, On behalf of HomeXpress Mortgage Corp ("HomeXpress"), Clayton conducted an independent third-party pre-securitization due diligence review of 1 residential loan. The due diligence for NewRez (1 loan) took place in July, 2025.

Aspire Sponsor, LLC ("Aspire") acquired this diligence through a Reliance Letter purchase and selected this loan for the SPIRE 2026-2 transaction.

On behalf of Hometown Equity Mortgage ("Hometown"), Clayton conducted an independent third-party pre-securitization due diligence review of 35 residential loans. The due diligence for Hometown (35 loans) took place between May, 2025 and December, 2025.

Aspire Sponsor, LLC ("Aspire") acquired this diligence through a Reliance Letter purchase and selected these loans for the SPIRE 2026-2 transaction.

On behalf of Aspire, Clayton conducted an independent third-party pre-securitization due diligence review of 69 residential loans selected for the SPIRE 2026-2 transaction. The due diligence for Aspire (69 loans) took place between July, 2025 and January, 2026.

The loans referenced in this narrative report were reviewed at Clayton's centralized underwriting facilities in Tampa, FL. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

ORIGINATORS

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 83 | 79.05% |
| Retail | 22 | 20.95% |
| **Total** | **105** | **100.00%** |

---

SPIRE 2026-2 Due Diligence Narrative Report Page \| 2 April 14, 2026

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![](clayton_logo.gif)

CLAYTON'S THIRD PARTY REVIEW ("TPR") SCOPE OF WORK

The scope of work for this transaction consisted of credit, property valuation, and regulatory compliance reviews, plus a data integrity check, and were 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." <br>

SAMPLING

For all originators in this transaction the loans received a Full Review. For Aspire all of the loans were selected for a Full review and the remaining loans received a "Limited Review" as described below. <br>

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| ***Review Type*** | ***Loan Count*<br> *Reviewed by Clayton***  | ***Scope Applied*** |
| **Full Review** | 105<br>| Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | 105<br>|  |

---

SPONSOR ACQUISITION CRITERIA

The loans were originated to Redwood/Jumbo Program Eligibility Guide Select QM Version 2.3, 2.4, 2.5, 2.8, 2.9

LOAN GRADING

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

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

------

 <sup></sup> 

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

SPIRE 2026-2 Due Diligence Narrative Report Page \| 3 April 14, 2026

------

![](clayton_logo.gif)

TPR COMPONENT REVIEW SCOPE

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

CREDIT REVIEW<br>

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):<br>

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

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

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

◾ Confirmed that credit scores (FICO) and credit histories were within Sponsor Acquisition Criteria;

◾ Evaluated evidence of borrower's willingness and ability to repay the obligation;

---

| | |
|:---|:---|
| ◾ | Examined Data Verify risk evaluation report, which was ordered and received by Clayton for income, employment, 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<br>

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

<br> ◾ Original Appraisal Assessment

<br> - Clayton reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

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

◾ Value Supported Analysis

Clayton 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:

For loans reviewed in a post-close valuation review scenario various products were ordered to support the value within a 10% tolerance such as Desk Review, Field Reviews, AVMs, BPOs, Reconciliations or loans included a 2<sup>nd</sup> appraisal to support the value. Please refer to the Valuations Report for additional details per loan.<br>

<br> - Clayton did not have independent access to any valuation products ordered by the Sellers.

<br> - Loans that had a Collateral Underwriter through Fannie/DU with a score of 2.5 or less and therefore did not require a 3rd party valuation product.

SPIRE 2026-2 Due Diligence Narrative Report Page \| 4 April 14, 2026

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![](clayton_logo.gif)

REGULATORY COMPLIANCE REVIEW<br>

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

<br> ◾ Tested for certain applicable federal, state and local high cost and/or anti-predatory laws;

<br> ◾ Assessed compliance with state specific consumer protection laws by testing late charge and prepayment penalty provisions;

<br> ◾ Truth-in-lending/regulation Z (TILA) testing included the following:

<br> - Notice of Right to Cancel (Right of Rescission) adherence if applicable;

<br> - TIL Disclosure Timing (3/7/3) and disclosure content;

<br> - TIL APR and Finance charge tolerances;

<br> - Timeliness of ARM Disclosures (if applicable);

<br> - Section 32 APR and Points and Fees Thresholds and prohibited practices;

<br> - Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements;

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

Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on all loans in the pool. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower's ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. <br>

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | The ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points and fees evaluation depending on the loan's undiscounted interest rate in relation to the APOR index rate. The ATR/QM Rule does not set the required rate reduction per discount point. |

---

Clayton evaluated the lender's exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a 0.2% rate reduction threshold per discount point. However, client reserves the right to review on a case-by- case basis.<br>

<br> - Prepayment Penalty restrictions.

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

<br> ◾ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

<br> - GFE initial disclosure timing and content;

<br> - Confirmed the file contains the final HUD1 Settlement Statement;

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

<br> - Homeownership Counseling Notice;

<br> - 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.

SPIRE 2026-2 Due Diligence Narrative Report Page \| 5 April 14, 2026

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![](clayton_logo.gif)

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

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

Clayton applied the enhanced RMBS 3.0 TRID Compliance Review Scope to all loans in this transaction.

DATA CAPTURE

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

DATA INTEGRITY

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

◾ Tape data received from lender/client is stored in eCLAS;

◾ Loan Reviewer collects validated loan data in eCLAS;

◾ Each received data point is compared to its counterpart collected data point;

◾ Discrepancies found during comparison are stored

SPIRE 2026-2 Due Diligence Narrative Report Page \| 6 April 14, 2026

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![](clayton_logo.gif) <br>

DATA COMPARE RESULTS

Clayton provided Aspire with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the sellers versus the data captured by Clayton during the loan review. <br>

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **#** | **Accuracy %** |
| Combined LTV | 15 | 85.71% |
| Debt to Income Ratio (Back) | 4 | 96.19% |
| Original LTV | 3 | 97.14% |

---

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 50 |  | 8 | 17 | **75** |
| **Final** | **B** |  | 7 | 11 | 12 | **30** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **50** | **7** | **19** | **29** | **105** |

---

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 58 | 1 | 10 | 12 | **81** |
| **Final** | B |  | 5 | 8 | 11 | **24** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **58** | **6** | **18** | **23** | **105** |

---

SPIRE 2026-2 Due Diligence Narrative Report Page \| 7 April 14, 2026

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#### Initial and Final Property Valuation Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 92 |  | 1 | 4 | **97** |
| **Final** | B |  | 5 | 2 | 1 | **8** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **92** | **5** | **3** | **5** | **105** |

---

#### Initial and Final Regulatory Compliance Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 53 | 1 | 6 | 1 | **61** |
| **Final** | B |  |  | 2 | 2 | **4** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **53** | **1** | **8** | **3** | **65** |

---

The total count of loans that received a compliance review (65 loans) varies from the overall pool count (105 loans) due to investor loans not having applicability for compliance results.

SPIRE 2026-2 Due Diligence Narrative Report Page \| 8 April 14, 2026

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CLAYTON THIRD PARTY REPORTS DELIVERED

Clayton furnished the following reports on this transaction:

<br> 1. Narrative Report

<br> 2. Attestation Forms

<br> 3. ASF Upload

<br> 4. ATR QM Upload

<br> 5. Conditions Report

<br> 6. HOA Report

<br> 7. Loan Level Tape Compare Upload

<br> 8. Rating Agency ATR QM Upload

<br> 9. Sale Report

<br> 10. Valuations Summary Reports

<br> 11. Waived Conditions Summary Report

SPIRE 2026-2 Due Diligence Narrative Report Page \| 9 April 14, 2026

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APPENDIX A: CREDIT REVIEW SCOPE

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

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

<br> o DTI

<br> o LTV/TLTV/HLTV

<br> o Credit score

<br> o Income and employment

<br> o Assets and reserves

<br> o Property type and use eligibility; and if the property type was a condominium or cooperative, assessed project adherence

<br> o Borrower eligibility, including:

-&nbsp;&nbsp;&nbsp;&nbsp;Citizenship status

-&nbsp;&nbsp;&nbsp;&nbsp;Non- occupant co-borrower

<br> o Transaction eligibility, including:

-&nbsp;&nbsp;&nbsp;&nbsp;Maximum loan amount

-&nbsp;&nbsp;&nbsp;&nbsp;Loan purpose

-&nbsp;&nbsp;&nbsp;&nbsp;Occupancy

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

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

<br> o Uniform Residential Loan Application reviewed to determine:

<br> - Initial loan application was in the loan file and was signed by all borrowers

<br> - Final loan application was in the loan file and was complete

<br> - Information and debts disclosed on loan application aligned with related documentation in the loan file

<br> o Employment analyzed and verified through use of various documents, including:

<br> - Income documentation

<br> - Verbal and/or written verifications of employments (VVOE, VOE)

<br> - CPA letter

<br> - Business licenses

<br> - Tax transcripts (IRS Form 4506-T)

<br> - Other documentation in loan file

<br> o Income review included:

<br> - Required income documentation for all borrowers was present and within required time period

<br> - Documents did not appear to have been altered or inconsistent

<br> - IRS Form 4506-T

<br> ◾ Signed by all borrowers and processed by the originator

<br> ◾ Compared IRS tax transcripts to income documentation and noted any inconsistencies

<br> - Income was recalculated and was documented with applicable documentation, including:

<br> ◾ Tax returns

<br> ◾ Financial statements

<br> ◾ Paystubs

<br> ◾ W-2s

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<br> ◾ 1099

<br> ◾ IRS documents

<br> ◾ Bank statements

<br> ◾ Lease agreements

<br> ◾ Award letters

<br> ◾ Other documentation in loan file

<br> o Asset review included:

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

<br> ◾ Verification of deposits (VOD)

<br> ◾ Depository account statements

<br> ◾ Stock or security account statements

<br> ◾ Gift funds

<br> ◾ Settlements statements

<br> ◾ Other evidence of conveyance and transfer of funds, if a sale of assets was involved

<br> ◾ Other documentation in loan file

<br> - Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds

<br> o Credit Report review included:

<br> - Complete copy of report was in loan file

<br> - Report was dated within required timeframe

<br> - All borrowers were included in the report

<br> - Checked any fraud alerts against related loan file documentation

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

<br> - Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation

<br> - Captured and utilized appropriate credit score for guideline review

<br> o Title policy review included:

<br> - Title interest – determined if

<br> ◾ Fee simple

<br> ◾ Leasehold estate

<br> - Appropriate vestee(s) were listed on title policy

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

<br> - Applicable title endorsements were present

<br> - 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

<br> - Reviewed the chain of title and duration of ownership by seller or borrower (whichever was applicable)

<br> - Captured monthly tax payments in debt ratio calculation

<br> o HUD1 (Settlement Statement) review included:

<br> - Funds to close identified and analyzed against borrower's assets

<br> - Seller contributions did not exceed maximum allowed

<br> - Subject property, seller and borrower aligned with other loan documentation

<br> - Disbursements and pay-offs included in debt ratio calculations

<br> - Loan purpose confirmed

<br> o Hazard/Flood insurance review included:

<br> - Verified presence of required hazard insurance and flood insurance (if required)

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<br> - Confirmed that any required insurance was for the:

<br> ◾ Correct borrower

<br> ◾ Correct property

<br> ◾ Correct lender

<br> ◾ Correct loan number

<br> ◾ Life of loan, if flood insurance required

Confirmed that any required insurance minimum coverage amount and policy period<br>

<br> - Reviewed for evidence that any required insurance policy premium was paid

<br> - 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<br>

<br> o Mortgage Insurance review included:

<br> - Determined if mortgage insurance is required

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

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

&nbsp;&nbsp;&nbsp;&nbsp;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:

<br> o Borrower identity

<br> - Social Security inconsistencies

<br> - Borrower name variations

<br> o Occupancy

<br> - Borrower address history

<br> - Subject property ownership history

<br> o Employment

<br> o Licensing – reviewed NMLS data for:

<br> - Mortgage lender/originator

<br> - Loan officer

<br> o OFAC

SPIRE 2026-2 Due Diligence Narrative Report Page \| 12 April 14, 2026

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APPENDIX B: ORIGINATION APPRAISAL ASSESSMENT<br>

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

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

<br> o Appraisal report used standard GSE forms, appropriate to the property type:

<br> - 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)

<br> - 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)

<br> - 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

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

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

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

<br> o Appraisal report was reasonably complete and included:

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

<br> - Accurate identification of the subject property

<br> - Accurate identification of the subject loan transaction

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

<br> - All required attachments including:

<br> ◾ Subject front, rear and street photos and valued features

<br> ◾ Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred maintenance

<br> ◾ Photos of all comparable sales and listings

<br> ◾ Location map

<br> ◾ Exterior sketch of property with dimensions

<br> ◾ 1004MC Market Conditions Report

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

<br> - Appraisal date met supplied Sponsor Acquisition Criteria

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

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

<br> o Title XI of FIRREA:

<br> - 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

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

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

<br> o USPAP

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

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

<br> o Appraised value was reasonably supported. Utilized the following review in making value supported determination:

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

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

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

<br> - 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.<br>

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

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

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

<br> - Property usage was reviewed for zoning compliance

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

<br> - Neighborhood values were reviewed to determine if declining

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

<br> ◾ Location

---

| | |
|:---|:---|
| ◾ | % built up |

---

<br> ◾ Growth rate

<br> ◾ Demand/supply

<br> ◾ Marketing time

<br> ◾ Predominant occupancy

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

<br> - Style of property was reviewed to determine if unique property

<br> - Any health and safety issues were noted and/or remediated

<br> - Locational and/or environmental concerns adequately addressed if present

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

<br> o 3 to 4 unit owner occupied properties

<br> o 2 to 4 unit second homes

<br> o Unwarrantable or limited review condominiums

<br> o Manufactured or mobile homes

<br> o Condotel units

<br> o Unique properties

<br> o Working farms, ranches or orchards

<br> o Mixed-use properties

<br> o Properties subject to existing oil or gas leases

<br> o Properties located in Hawaii Lava Zones 1 and 2

<br> o Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage <br>

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

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

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

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

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

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

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

<br> o Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

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

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

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

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | RedBell "Valuation Risk Review" or ("VRR") means Supplier's alternative valuation product which consists of a review of a third-party valuation product (appraisal or BPO) by a licensed real estate appraiser. The review is conducted to confirm the value provided in the third-party valuation product or provide a new reconciled, independent value. |

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SPIRE 2026-2 Due Diligence Narrative Report Page \| 15 April 14, 2026

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#### 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.

#### Federal Law

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

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

<br> o Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

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

<br> o Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual loan terms from the Note

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

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

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

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

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

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

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

**Truth in Lending Act and Regulation Z** – (continued)

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

<br> o High Cost mortgage thresholds for points and fees (Section 32)

<br> o High Cost Prohibited Acts and Practices upon request (Section 33)

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

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

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on all loans in the pool, 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. |

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SPIRE 2026-2 Due Diligence Narrative Report Page \| 16 April 14, 2026

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

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

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

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

#### STATE, COUNTY and MUNICIPAL LAW

&nbsp;&nbsp;&nbsp;&nbsp;**A.** **Higher-Priced** 

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

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

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&nbsp;&nbsp;&nbsp;&nbsp;**B.** **State/Local High Cost** 

Clayton test whether a loan meets the thresholds for a high cost or covered loan in the following states, counties and municipalities, and also tests for compliance with provisions in such laws that apply to all loans subject to high cost testing:

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| | | |
|:---|:---|:---|
| **State/Local High Cost** | **State/Local High Cost** | **State/Local High Cost** |
| Arkansas | Maine | Pennsylvania |
| California | Maryland | Rhode Island, including the Providence ordinance |
| Colorado | Massachusetts | South Carolina |
| Connecticut | Nevada | Tennessee |
| District of Columbia | New Jersey | Texas |
| Florida | New Mexico | Utah |
| Georgia | New York | Vermont<br> (High Rate, High Point law) |
| Illinois, including the Cook County and Chicago ordinances | North Carolina | Wisconsin |
| Indiana | Ohio, including<br> Cleveland Heights ordinance |  |
| Kentucky | Oklahoma |  |

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&nbsp;&nbsp;&nbsp;&nbsp;**C.** **Anti-Predatory** 

Several states have laws that do not create a separate class of high cost or higher-priced mortgage loans, but set APR or finance charge ceilings and may also set forth similar anti-predatory lending restrictions as found in high cost laws. Clayton tests for compliance with such laws in the following states:

<br> • Minnesota (Mortgage Originator and Service Licensing Act)

<br> • Puerto Rico (Office Regulation 5722)

<br> • Texas (Texas Finance Code)

<br> • West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

&nbsp;&nbsp;&nbsp;&nbsp;**D.** **Borrower's Interest** 

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

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

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&nbsp;&nbsp;&nbsp;&nbsp;**E.** **Consumer Protection** 

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

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| | |
|:---|:---|
| **Consumer Protection** | **Consumer Protection** |
| Alabama (the "Mini-code") | Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| Hawaii (Financial Services Loan Company Act) | Nevada (AB 440 |
| Idaho (Residential Mortgage Practices Act) | Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | 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) |
| Kentucky (HB 552) | 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:

&nbsp;&nbsp;&nbsp;&nbsp;**F.** **Texas Equity** 

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

#### GSE Testing
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.)

SPIRE 2026-2 Due Diligence Narrative Report Page \| 19 April 14, 2026

------

![](clayton_logo.gif)

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

<br>© 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.

SPIRE 2026-2 Due Diligence Narrative Report Page \| 20<br> April 14, 2026

## Exhibit 99.2

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **Spire 2026-2** |
| **Start - End Dates:** | **5/23/2025 - 1/29/2026** |
| **Deal Loan Count:** | **105** |
| **ATR QM Upload** | **ATR QM Upload** |
| *Loans in Report:* | *105* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 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** |
| 409013164 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | High Rise Condo (9+) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3126 | Yes | Yes | 0.486 | 0.486 | (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 | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.31 | 22.31 | 22.31 | 22.31 | 22.31 | 22.31 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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) |
| 409013456 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepaid in 12 mos | (No Data) | Yes | Yes | 1 | 7.0779 | No | No | 6.325 | (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 | 49.17 | 0 | 49.17 | 49.17 | 49.17 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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) |
| 409013920 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 2070.00 | No | (No Data) | 0.9031 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 409015444 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4104 | No | No | 0.35 | 0.350 | (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 | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.16 | 46.82 | 47.18 | 46.82 | 46.82 | 46.82 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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) |
| 409016588 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 16.67 | 0 | 16.67 | 16.67 | 16.67 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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) |
| 409016620 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB | (No Data) | No | Yes | 1 | 7.8751 | Yes | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 35.45 | 0 | 35.45 | 35.45 | 35.45 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | Borrower | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | P & L - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016997 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Investor | 5+ Units | XXXXX | 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 | 6.7500 | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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) | Yes | 7887.42 | 1.3518 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) | Green Card | Green Card | (No Data) | (No Data) |
| 409017463 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 3525.00 | No | (No Data) | 0.8580 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409017556 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | SFR-Attached | XXXXX | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 2925.00 | No | (No Data) | 0.9000 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409018399 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 895.00 | 1.0401 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409018852 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0330 | Yes | Yes | 0.267 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.94 | 40.68 | 40.94 | 40.68 | 40.68 | 40.68 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 409018895 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0000 | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 54749.60 | No | (No Data) | 4.4849 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409019090 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2499 | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 10000.00 | No | (No Data) | 1.0694 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409019177 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.2272 | Yes | Yes | 3.3 | 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 | 38.51 | 39.11 | 38.51 | 39.11 | 39.11 | 39.11 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 11 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 11 months;<br> CPA Letter - 48 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409019181 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7909 | Yes | Yes | 1.108 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.76 | 33.76 | 33.76 | 33.76 | 33.76 | 33.76 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409019326 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 4125.00 | No | (No Data) | 1.0659 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409019341 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 3750.00 | No | (No Data) | 0.5188 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409019363 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2499 | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 3000.00 | No | (No Data) | 1.0445 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409019367 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2499 | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 3000.00 | No | (No Data) | 1.0201 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409019571 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7860 | No | Yes | 0.193 | 0.193 | (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 | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.94 | 43.02 | 40.94 | 43.02 | 43.02 | 43.02 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 29 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020990 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | High Rise Condo (9+) | XXXXX | 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 | 7.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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) | Yes | 6000.00 | 0.7595 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409021004 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3869 | No | No | 1.284 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 54.92 | 54.92 | 54.92 | 54.92 | 54.92 | 54.92 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | Yes | 12 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> IRS Transcripts – W2(s) - 12 months;<br> Offer Letter - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409021316 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.5000 | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 3288.20 | No | (No Data) | 0.3896 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021376 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 4600.00 | No | (No Data) | 0.8032 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021428 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 2550.00 | No | (No Data) | 1.0035 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021431 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.6789 | Yes | Yes | 4.298 | 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 | 19.46 | 19.31 | 19.46 | 19.31 | 19.31 | 19.31 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 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 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409021472 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 1190.00 | No | (No Data) | 0.7725 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021473 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | XXXXX | 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 | 7.1251 | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4560.00 | No | (No Data) | 1.6416 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021492 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.9718 | Yes | Yes | 3.236 | 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 | 10.59 | 10.6 | 10.59 | 10.6 | 10.6 | 10.6 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 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 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409021498 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR-Attached | XXXXX | 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 | 7.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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) | 1.4534 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021528 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 1600.00 | No | (No Data) | 1.3072 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021538 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | 3 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 4900.00 | No | (No Data) | 1.1449 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Employment Authorization Document | (No Data) | (No Data) |
| 409021551 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3850 | Yes | Yes | 2.318 | 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 | 41.82 | 42.43 | 41.82 | 42.43 | 42.43 | 42.43 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409021827 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR-Attached | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 3500.00 | No | (No Data) | 1.2450 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409022321 | XXXXX | XXXXX | XXXXX | XXXXX | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | XXXXX | 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 | 44.13 | 0 | 44.13 | 44.13 | 44.13 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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) | 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 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409022409 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5254 | No | No | 0.462 | 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 | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 50.22 | 50.94 | 50.22 | 50.94 | 50.94 | 50.94 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409023659 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6772 | No | No | 0.528 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.86 | 58.94 | 44.86 | 44.86 | 44.86 | 51.05 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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) | 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) |
| 409023680 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | High Rise Condo (9+) | XXXXX | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 2580.00 | No | (No Data) | 0.9700 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409023681 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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) | 1.3417 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409023773 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9346 | No | No | 2.349 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 54 | 54.01 | 54 | 54.01 | 54.01 | 54.01 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (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 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409023776 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0000 | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 4788.00 | No | (No Data) | 1.1980 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409024083 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0384 | Yes | Yes | 0.267 | 0.267 | (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 | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.83 | 36.14 | 25.83 | 36.14 | 36.14 | 36.14 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024198 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | High Rise Condo (9+) | XXXXX | 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 | 7.1251 | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 2746.67 | No | (No Data) | 0.7647 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409024306 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR-Attached | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6250 | Yes | 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 | 25.36 | 0 | 25.36 | 25.36 | 25.36 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024311 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Not Provided | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | 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 | 6.3036 | Yes | Yes | 2.817 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.23 | 31.12 | 32.23 | 31.12 | 31.12 | 31.12 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024330 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | Permanent Resident Alien | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.9166 | Yes | Yes | 2.698 | 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 | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.55 | 29.55 | 29.55 | 29.55 | 29.55 | 29.55 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409024336 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Attached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.9711 | Yes | Yes | 4.329 | 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 | 31.81 | 30.79 | 31.81 | 30.79 | 30.79 | 30.79 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 12 months;<br> Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024340 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | No | Not Provided | QM: Rebuttable Presumption (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.6003 | Yes | Yes | 1.652 | 1.652 | (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 | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 15.83 | 16.67 | 15.83 | 16.67 | 16.67 | 16.67 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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) | 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) |
| 409024875 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | 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 | 7.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | Yes | 60 | Yes | Yes | No | XXXXX | No | XXXXX | 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 | 2725.00 | No | (No Data) | 0.7895 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409024894 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 3750.00 | 1.0877 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024896 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 3500.00 | No | (No Data) | 0.7810 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409024941 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 4000.00 | No | (No Data) | 1.2146 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409024994 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1550.00 | No | (No Data) | 1.4328 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409025013 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Attached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 6186.00 | No | (No Data) | 1.4472 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409025019 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | XXXXX | 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 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 2250.00 | No | (No Data) | 1.0119 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409025022 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.9380 | No | No | 4.503 | 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 | 49.46 | 49.46 | 49.46 | 49.46 | 49.46 | 49.46 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025049 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | 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 | 6.8750 | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 4140.00 | No | (No Data) | 1.8389 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409025067 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2499 | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1700.00 | No | (No Data) | 0.8641 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409025574 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.3641 | Yes | Yes | 2.045 | 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 | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.19 | 37.19 | 37.19 | 37.19 | 37.19 | 37.19 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | P & L - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025802 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.3359 | Yes | Yes | 3.008 | 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 | 19.15 | 17.51 | 19.15 | 17.51 | 17.51 | 17.51 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 409025998 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.1033 | Yes | Yes | 0.567 | 0.567 | (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 | 42.79 | 29.55 | 42.79 | 29.55 | 29.55 | 29.55 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026294 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3800.00 | No | (No Data) | 0.9576 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409031799 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4272 | No | Yes | 0.361 | Not Applicable | Yes | No | 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 | 36.87 | 39.08 | 36.87 | 46.11 | 39.08 | 42.08 | No | No | (No Data) | XXXXX | Yes | 360 | No | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 32 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | Yes | 2 | 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) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Award Letter - 12 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 2 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033525 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | 3 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 8600.00 | No | (No Data) | 1.0868 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033530 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | Yes | 60 | Yes | Yes | No | XXXXX | No | XXXXX | 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 | 11591.00 | No | (No Data) | 1.6451 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033532 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 5725.00 | No | (No Data) | 0.9949 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033537 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | XXXXX | 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 | 7.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 10550.00 | No | (No Data) | 1.3245 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033543 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 3250.00 | 1.0028 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033545 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | 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 | 7.2500 | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 2385.00 | No | (No Data) | 0.9094 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033546 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | 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 | 7.2500 | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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) | 1.0031 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033548 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 5860.00 | No | (No Data) | 1.4547 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033557 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 5500.00 | No | (No Data) | 1.2614 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033560 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | Yes | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7958 | Yes | Yes | 2.901 | 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 | 27.87 | 37.73 | 27.87 | 37.73 | 37.73 | 37.73 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter - 36 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 409033565 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | 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 | 6.2500 | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 1775.00 | No | (No Data) | 2.1830 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033566 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | 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 | 6.7500 | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1850.00 | No | (No Data) | 1.1615 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033577 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 8.1250 | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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) | 1.0483 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033586 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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) | 1.0437 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033587 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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) | 1.8992 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033590 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1251 | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 1500.00 | No | (No Data) | 1.5046 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033594 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 1800.00 | No | (No Data) | 0.8443 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033607 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 2000.00 | No | (No Data) | 1.0256 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033608 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 2672.00 | No | (No Data) | 1.7096 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033614 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 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) | XXXXX | No | 0 | (No Data) | No | Not Applicable | XXXXX | Not Applicable | XXXXX | 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 | 1900.00 | No | (No Data) | 1.5724 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033619 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6250 | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 1800.00 | No | (No Data) | 1.7175 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033621 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | Detached PUD | XXXXX | 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 | 6.7500 | 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) | XXXXX | No | 0 | (No Data) | No | Not Applicable | XXXXX | Not Applicable | XXXXX | 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 | 1750.00 | No | (No Data) | 1.2546 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033622 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 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) | XXXXX | No | 0 | (No Data) | No | Not Applicable | XXXXX | Not Applicable | XXXXX | 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 | 1850.00 | No | (No Data) | 1.5929 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033624 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | Yes | 1800.00 | No | (No Data) | 1.4967 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033629 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.4986 | Yes | Yes | 3.098 | 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 | 35.18 | 35.18 | 35.18 | 35.18 | 35.18 | 35.18 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> P & L - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033644 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.7868 | Yes | Yes | 3.717 | 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 | 11.62 | 9.62 | 11.62 | 9.62 | 9.62 | 9.62 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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) |
| 409033649 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Attached PUD | XXXXX | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1850.00 | No | (No Data) | 1.0094 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033653 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 3.625 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3040.00 | No | (No Data) | 1.1219 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033656 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 1500.00 | No | (No Data) | 1.0777 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033657 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 5700.00 | No | (No Data) | 1.2385 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033661 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | 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 | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6414.00 | No | (No Data) | 1.2032 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033667 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | 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 | 7.5000 | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 3200.00 | No | (No Data) | 0.9167 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033701 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0000 | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 3974.00 | No | (No Data) | 1.5299 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033708 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7017 | No | No | 2.299 | 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 | 51.3 | 49 | 49 | 49 | 49 | 49 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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) | Yes | 108 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter without Income - 108 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033709 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | XXXXX | 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 | 6.7500 | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 3500.00 | 1.0891 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033721 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 2800.00 | No | (No Data) | 0.8809 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 409033727 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 2800.00 | No | (No Data) | 1.1575 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033728 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6526.00 | No | (No Data) | 2.3092 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033736 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Attached PUD | XXXXX | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6986.00 | No | (No Data) | 2.3536 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033739 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | XXXXX | 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 | 6.8750 | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 2725.00 | No | (No Data) | 1.0012 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033746 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | XXXXX | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | 1565.00 | No | (No Data) | 1.1076 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409033753 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | (No Data) | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | 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 | Yes | Yes | 8880.00 | No | (No Data) | 1.5904 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |

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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.<br>

## Exhibit 99.3

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| | | | |
|:---|:---|:---|:---|
| **Client Name:** |  |  |  |
| **Client Project Name:** | **Spire 2026-2** |  |  |
| **Start - End Dates:** | **5/23/2025 - 1/29/2026** | **5/23/2025 - 1/29/2026** |  |
| **Deal Loan Count:** | **105** |  |  |
| **Conditions Report 2.0** |  |  |  |
| ***Loans in Report:*** | *105* |  |  |
| ***Loans with Conditions:*** | *56* |  |  |
| **0 - Total Active Conditions** | **0 - Total Active Conditions** |  |  |
| **93 - Total Satisfied Conditions** | **93 - Total Satisfied Conditions** |  |  |
|  |  | 66 - Credit Review Scope | 66 - Credit Review Scope |
|  |  |  | 7 - Category: Ability to Repay/Qualified Mortgage |
|  |  |  | 5 - Category: Application |
|  |  |  | 10 - Category: Assets |
|  |  |  | 4 - Category: Credit/Mtg History |
|  |  |  | 2 - Category: DTI |
|  |  |  | 18 - Category: Income/Employment |
|  |  |  | 2 - Category: Insurance |
|  |  |  | 8 - Category: Legal Documents |
|  |  |  | 9 - Category: Terms/Guidelines |
|  |  |  | 1 - Category: Title |
|  |  | 5 - Property Valuations Review Scope | 5 - Property Valuations Review Scope |
|  |  |  | 4 - Category: Appraisal |
|  |  |  | 1 - Category: Property |
|  |  | 22 - Compliance Review Scope | 22 - Compliance Review Scope |
|  |  |  | 3 - Category: Ability to Repay/Qualified Mortgage |
|  |  |  | 1 - Category: Documentation |
|  |  |  | 1 - Category: Right of Rescission |
|  |  |  | 1 - Category: State Consumer Protection |
|  |  |  | 16 - Category: TILA/RESPA Integrated Disclosure |
| **53 - Total Waived Conditions** |  |  |  |
|  |  | 42 - Credit Review Scope | 42 - Credit Review Scope |
|  |  |  | 2 - Category: Application |
|  |  |  | 9 - Category: Assets |
|  |  |  | 6 - Category: Credit/Mtg History |
|  |  |  | 2 - Category: DTI |
|  |  |  | 3 - Category: Income/Employment |
|  |  |  | 1 - Category: Insurance |
|  |  |  | 1 - Category: Legal Documents |
|  |  |  | 6 - Category: LTV/CLTV |
|  |  |  | 12 - Category: Terms/Guidelines |
|  |  | 9 - Property Valuations Review Scope | 9 - Property Valuations Review Scope |
|  |  |  | 1 - Category: Appraisal |
|  |  |  | 8 - Category: Property |
|  |  | 2 - Compliance Review Scope | 2 - Compliance Review Scope |
|  |  |  | 1 - Category: Ability to Repay/Qualified Mortgage |
|  |  |  | 1 - Category: Compliance Manual |
| <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. |

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|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **Spire 2026-2** |
| **Start - End Dates:** | **5/23/2025 - 1/29/2026** |
| **Deal Loan Count:** | **105** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *105* |
| ***Loans with Conditions:*** | *56* |

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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** |
| 409013164 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXXexceeds guidelines<br>|
| 409013164 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Credit | Assets | Satisfied<br> B<br> A | CRDAST207 | Assets Are Unreasonable | No | Reserves for transaction met, however reserves per exception approval of $XXX not metIn addition, final 1003 do not reflect having $XXX in assets and XXX#XXX w/balance of $XXX was not verified | 5/27 Client added additional assets | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXXexceeds guidelines<br>|
| 409013164 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Credit | Income/Employment | Satisfied<br> A | CRDINC150 | Income docs do not meet guidelines | No | Explanation from borrower regarding Overdraft fees paid in month of XXX; within most recent 6 months but not within most recent XXX months. Borrower to address | 5.5.2025 Client provided borrower LOX regarding Overdraft fee, Temp Loan deposit and other large deposits | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXXexceeds guidelines<br>|
| 409013164 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Credit | Income/Employment | Satisfied<br> A | CRDINC3204 | Income Documentation Missing | No | Lender Income Bank statement worksheet reflect Year XXX/XXX and is not fully completed, provide Lender updated correct income bank statement worksheet. Upon receipt and review of updated income worksheet, income calculation to be finalized. Note: appears Lender worksheet is an average of XXX months vs XXX months due to line #1 is blank and line #13 is not included in the total figures. | 5.5.2025 Client provided updated worksheet covering XXX - XXX however 2 other corrections needed upon review of this worksheet: 1.XXX total deposits should be $XXX vs $XXX2. XXXX should show excluding $XXXX vs $XXX Total should be $XXX/ Provide updated final corrected income worksheet 5.5.2025 Client provided updated income worksheet with correctionIncome to be used for this transaction is $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXXexceeds guidelines<br>|
| 409013164 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Credit | Legal Documents | Satisfied<br> B<br> A | CRDLGL100 | Legal document incorrect or incomplete | No | 1. Missing legible copy of: Amendment to Sale Contract (pg 533) and Broker Compensation Rider (pg 545) Both are in file however not legible. Provide legible copy of both 2. Missing Condo Questionnaire | 5/23 Client provided the Full contract with amendments; and the HOA questionnaire | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXXexceeds guidelines<br>|
| 409013164 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> B<br> A | A | A<br> B | A | A | Property Valuations | Property | Waived<br> B | PRVAPROP177 | Property Issues Indicated | No | 2nd Home Purchase Non Warrantable Condo | 5.22.2025 Client provided exception approval for Non Warrantable Condo\*\*\*Waiver not applied due to reserves of $XXX not verified/met and missing Condo HOA questionnaire 5/23 Client provided the HOA cert; Waiver remains pending assets for reserves 5/27 Client provided sufficient asstes; Pre approved exception applied for XXX Condo | Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower, Low DTI, credit score exceeds min required | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXXexceeds guidelines<br>|
| 409013456 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | DTI | Satisfied<br> D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide HOA for XXX | 5.27.2025 Client provided evidence of monthly HOA of $XXXfor XXX in which appears to be what was used for qualifying. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX<br>|
| 409013456 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | DTI | Waived<br> B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | DTI calculation XXX%. $XXX/month income. $XXX/month consumer debts. Primary $XXX/month. $XXX/month REO's. Subject PITI $XXX/month. Used XXX% of $XXX/month market rent. | 5.27.2025 Client provided LOX regarding difference in DTI. Response appears difference in DTI is subject taxes, we are using $XXX a month vs Lender using $XXX; did not locate lender calculation of taxes used of $XXX 5.28.2025 Client provided duplicate in file taxes however property located in CA and XXX% is currently being used and was previously used by Lender however lender now using slightly lower amount of $XXX; condition remains 5/29/2025 client provided an approved exception for DTI | Initial and final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX<br>|
| 409013920 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> A | N/A | N/A<br> C | N/A | N/A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER4631 | Loan parameters do not meet guidelines | No | Missing a personal guarantor disclosure in file. | 5.28.2025 Client provided executed Personal Guaranty Agreement | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV below guideline requirements of XXX% per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX months PITI.<br>|
| 409015444 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing Business Narrative from CPA, borrower % of ownership per 1003 less than XXX%, per lender XXX% | 7/3 Client provided a Business narrative meeting GLs, And corporation papers showing XXX% ownership, Provide a corrected 1003 showing Borrower has XXX% or more ownership in the business 7/9 Client provided a corrected signed application | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying credit score XXX<br>|
| 409015444 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Property Valuations | Property | Waived<br> B | PRVAPROP177 | Property Issues Indicated | No | XXX with XXXX acres with XXX | 7/3 Client provided an approved exception to allow the property with a XXX and XXX | Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; XXX LTV, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying credit score XXX<br>|
| 409016588 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post Close Assets are $ XXX or XXX months of PITIA.Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX<br>|
| 409016620 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing Profit and Loss statement for XXX from XXX - XXX | 7/28 Client provided the P&L | Satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - XXX Comments: No mortgage lates in the past XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXXcredit score exceed guideline minimum of XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has a mortgage history of XXX months reported on credit report dared XXX which exceed guidelines.<br>|
| 409016620 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC2302 | Missing Required Income Documentation | No | Missing Profit and Loss statement for XXX from XXX - XXX | 7/28 Client provided the P&L | Satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - XXX Comments: No mortgage lates in the past XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXXcredit score exceed guideline minimum of XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has a mortgage history of XXX months reported on credit report dared XXX which exceed guidelines.<br>|
| 409016620 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Missing Profit and Loss statement for XXX from XXX - XXX | 7/28 Client provided the P&L | Satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - XXX Comments: No mortgage lates in the past XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXXcredit score exceed guideline minimum of XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has a mortgage history of XXX months reported on credit report dared XXX which exceed guidelines.<br>|
| 409016620 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Insurance | Satisfied<br> D<br> A | CRDINSR848 | Missing Hazard Insurance | No | Missing Hazard Insurance Policy | 7.23.2025 Client provided subject HOI policy that states 100% replacement cost | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - XXX Comments: No mortgage lates in the past XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXXcredit score exceed guideline minimum of XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has a mortgage history of XXX months reported on credit report dared XXX which exceed guidelines.<br>|
| 409016620 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | LTV/CLTV | Waived<br> C<br> B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | XXX Aspire Expanded 30 YR guidelines indicate maximum LTV is XXX% with minimum credit score of XXX. Loan closed with LTV of XXX%. | 8.1.2025 Client provided exception approval for LTV XXX% exceeding guidelines maximum of XXX% with fico score of XXX | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: DTI XXX% and over XXX years with current self employment. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - XXX Comments: No mortgage lates in the past XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXXcredit score exceed guideline minimum of XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has a mortgage history of XXX months reported on credit report dared XXX which exceed guidelines.<br>|
| 409016997 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> A | A | A<br> C | A | A | Credit | Assets | Satisfied<br> C<br> A | CRDAST205 | Insufficient Funds to Close | No | Condition added upon review of additional documentation previously provided Borrower closed on XXX with funds to close of $XXXXXX Bank #XXX had a balance of $XXX minus funds to close of $XXX (XXX) = $XXX left towards our subject transaction which makes our transaction short funds to close of -$XXX; verify additional assets to cover subject liquid funds to close. | 10.13.2025 Client provided some updated assets documentation dated after the closing of XXX property that closed prior to our transaction and provided updated 1003 with updated balances however it appears with review of documentation, XXX Bank #XXX has an updated balance of $XXX as of XXX after our subject funds to close of $XXX have been wired out however prior to this wire out there have been a total of $XXX that have been deposited in # XXX (between XXX- XXX) subject disbursement date closing date XXX; these deposits totaling $XXX need to be document/source, these are prior to closing deposits that is being used, without these deposits sufficient funds to close was not supported (deposits: $XXX $XXX $XXX $XXX $XXX= $XXX), In addition, Lender updated 1003 reflect #XXX balance of $XXX which is backing out the other deposits made in XXX(agree with this updated balance of $XXX(#XXX) to be used towards reserves) however XXX#XXX balance on updated 1003 is $XXX however there were several ATM CASH deposits that was not documented and should be backed out of balance (total ATM cash deposit are $XXX which are on XXX/XXX statement $XXX $XXX $XXX and $XXX and are prior to closing deposits); this condition remains to document total of $XXX deposits on XXX #XXX XXX statement that is being used towards subject cash to close. Note: do agree both EMD have previously cleared account per Lender LOX, EMD was not part of the initial condition for short funds to close, had no issue with EMD, EMD were previously verified and Credit given. This condition is pertaining to funds to closing for subject transaction and separate condition on file pertaining to reserves. 10.28.2025 Client provided Lender LOX stating DSCR guidelines consider large deposits being defined as any single deposit that represents more than XXX% of the monthly average deposit balance. Response, Agree guidelines do reflect as such and single deposits do not exceed the XXX% of the monthly average deposit balance. Assets have been updated using Lender updated 1003 balance for #XXX ($XXX) and #XXX($XXX) and statement #XXX showing subject wire funds to close clearing. Updated reserves are now verified of XXX (reserves met for this transaction) and sufficient funds to close met | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX credit score<br>|
| 409016997 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> A | A | A<br> C | A | A | Credit | Assets | Satisfied<br> C<br> A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Condition added upon review of additional documentation previously provided XXX Bank #XXX is being used for this transaction however Borrower closed on another property (XXX) with needing funds to close of $XXX; leaving $XXX in XXX Bank #XXX vs $XXX (towards subject purchase); insufficient # of months cash reserves is not verified for this transaction. | 10.13.2025 Client provided some updated assets documentation dated after the closing of XXX property that closed prior to our transaction and provided updated 1003 with updated balances however it appears with review of documentation, XXX Bank #XXX has an updated balance of $XXX as of XXX after our subject funds to close of $XXX have been wired out however prior to this wire out there have been a total of $XXX that have been deposited in # XXX (between XXX- XXX) subject disbursement date closing date XXX; these deposits totaling $XXX need to be document/source, these are prior to closing deposits that is being used, without these deposits sufficient funds to close was not supported (deposits: $XXX $XXX $XXX $XXX $XXX = $XXX), In addition, Lender updated 1003 reflect #XXX balance of $XXX which is backing out the other deposits made in XXX(agree with this updated balance of $XXX(#XXX) to be used towards reserves) however XXX#XXX balance on updated 1003 is $XXX however there were several ATM CASH deposits that was not documented and should be backed out of balance (total ATM cash deposit are $XXX which are on XXX/XXX statement $XXX $XXX $XXX and $XXX and are prior to closing deposits); this condition remains to document total of $XXX deposits on XXX #XXX XXX statement Note: do agree both EMD have previously cleared account per Lender LOX, EMD was not part of the initial condition for short funds to close, had no issue with EMD, EMD were previously verified and Credit given. Reserves are currently short due to XXX balance reflect a total of $XXX ATM cash deposits that is being used towards reserves. If backed out cash ATM deposits of $XXX will be short reserves, lender using $XXX (which includes $XXX of cash deposit). Currently reserves assets are: $XXX for XXX Bank #XXX and $XXX (possibly) for XXX #XXX Upon review of documentation, re-review and calculation of reserves and assets adjustment is required, currently using lender balance however deposits not supported/documented. 10.28.2025 Client provided Lender LOX stating DSCR guidelines consider large deposits being defined as any single deposit that represents more than XXX% of the monthly average deposit balance. Response, Agree guidelines do reflect as such and single deposits do not exceed the XXX% of the monthly average deposit balance. Assets have been updated using Lender updated 1003 balance for #XXX ($XXX) and #XXX($XXX) and statement #XXX showing subject wire funds to close clearing. Updated reserves are now verified of XXX months (reserves met for this transaction) | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX credit score<br>|
| 409016997 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> A | A | A<br> C | A | A | Credit | Credit/Mtg History | Satisfied<br> C<br> A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | 3rd party verification shows borrowers purchasing XXX on XXX. Provide documentation that Borrowers do not own or provide updated 1003 and mortgage statement. | 8/26 Client provided a revised 1008 adding REO with taxes and ins; 1003 is missing the mortgage on the REO; Condition remains for 1003 with REO including PITIA and file is also still missing evidence of Insurance premium 9.4.2025 Client provided HOI for new purchase: XXX and HOI reflect 1st lien mortgagee with XXX Bank, mtg statement w/XXX Bank previously provided however (a) updated 1003 was not provided reflecting the PITIA info for this property (include mtg on REO) and (b). will need copy of the HUD-1/CD from this new purchase due to current assets being used for transaction is dated XXX and this new purchase took place XXX(unknown if the XXX balance assets were used to purchase the new property), upon receipt assets to be adjusted unless evidence of where funds came from to purchase new property is provided. 9.23.2025 Client provided updated 1003 adding mortgage info etc on REO of 1003 for the new purchase XXX and provided copy of final HUD-1 from new purchase (XXX) and provided XXX #XXX bank statements in which is now considering towards reserves due to funds to close on this new purchase (XXX) were assets used from XXX Bank, in which was also using the same funds as reserves for this transaction however Lender have provided an update 1003 using XXX#XXX(new assets added) and lowering XXX Bank #XXX balance from $XXX to $XXX however did not support this new balance of $XXX with a prior to closing updated balance statement, due to funds to close for subject is $XXX + $XXX used to purchase (XXX) in which total assets needed for both transaction of $XXX and XXX Bank #XXX had a balance of $XXX(not sufficient funds to close on both) however lender is now wanting to use a updated current balance of $XXX towards reserves for #XXXXXX Bank. Condition remains, will need documentation that supports this updated 1003 balance of $XXXXXX Bank (due to account #XXX was not enough to cover sufficient funds for both transaction, was short -$XXX), upon receipt and review of (prior to closing) documentation to support balance of $XXX for XXX Bank #XXX(per updated 1003) subject reserves calculation is required, currently without using any assets from XXX Bank (due to all of these funds + some more was needed to close on subject and new purchase), would be currently short reserves. Assets adjustment is needed with updated prior to closing documentation and reserves calculation is required. Note: EMD for subject ($XXX) and XXX ($XXX) both is verified as clearing on this XXX Bank #XXX statement in file, so no assets needed for the EMD for these properties due to verified cleared on the statement in file. 9.30.2025 This condition is being satisfied with adding condition for short funds to close (due to XXX closing before our transaction and XXX Bank #XXX assets were used to close on XXX), now borrower is short funds to close on subject transaction and short reserves. See added condition on file for assets and reserves | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX credit score<br>|
| 409017463 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Credit | Insurance | Waived<br> C<br> B | CRDINSR3028 | Flood Certificate has incorrect or incomplete data | No | Flood Policy shows occupancy as Primary. Subject is a Rental PropertyFlood Policy expires within XXX months of Note date. Provide renewal | 8/26 Upon review by XXX XXX, renewal policy is not required; condition remains for occupancy change on Flood policy to investment9/12/2025 client provided an approved exception for flood policy showing as owner occupied. | Upon further review by Senior Underwriter exception is deemed non-material as property was disclosed as investment and appears to be a typo. Final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX credit score<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower has XXX months 0x30 on current mortgage<br>|
| 409017463 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Credit | LTV/CLTV | Waived<br> B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | Subject main house is an XXX. Per Guidelines LTV for short term rental is XXX%. Loan closed at XXX% | 8/26 Client provided an approved exception to allow the file with a XXX LTV | XXX final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX credit score<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower has XXX months 0x30 on current mortgage<br>|
| 409017463 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER3122 | Loan documents do not meet guideline requirements | No | $XXX(lower market rent) - $XXX(rents) = $XXX(BNB difference) x XXX% = $XXX + XXX = $XXX$XXX/$XXX = XXX DSCRMin DSCR for short term rental is XXX | 8/27 Client provided an Email that prior GLS required only an XXX DSCR; on review GLs in effect XXX DSCR XXX require a XXX DSXR with short term rental income; Condition remains9.3.2025 Client provided exception approval to allow for current DSCR calculation of >XXX but  | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: Credit score XXX and XXX months reserves | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX credit score<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower has XXX months 0x30 on current mortgage<br>|
| 409017463 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Property Valuations | Property | Satisfied<br> C<br> A | PRVAPROP177 | Property Issues Indicated | No | Appraisal occupancy shows Owner. Subject is a rental property. Appraiser to correct | 9.3.2025 Client provided updated appraisal showing occupancy as Tenant | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX credit score<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower has XXX months 0x30 on current mortgage<br>|
| 409017556 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | N/A | N/A<br> D | N/A | N/A | Credit | Assets | Satisfied<br> D<br> A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing an additional consecutive bank statement from XXX as required for Aspire Expanded DSCR Program guides for reserves requirement. | 8.13.2025 Client provided prior statement XXX for XXX #XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.<br>|
| 409018399 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at the same residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX reserves from c/o proceeds; $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qual score; min XXX.<br>|
| 409018852 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX % DTI; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score; XXX required.<br>|
| 409018895 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> B | N/A | N/A<br> B | N/A | N/A | Credit | Assets | Waived<br> B | CRDAST3036 | Assets reflect unsourced deposits | No | There are three large deposits in the XXX XXX XXX account ending in XXX, with no documentation in the loan file to verify their sources: $XXX on XXX, $XXX on XXX, and $XXX on XXX. According to the guidelines, any single deposit exceeding XXX% of the monthly average deposit balance must be sourced. | XXX Client provided Borrower LOX stating the deposit of $XXX on XXX is from a partnership buy out. Response, per guidelines must be sourced. Initial condition remains to source the 3 requested deposits: $XXX and $XXX and $XXX XXX Client provided Indemnification of Exception Mortgage loan. Response, prior condition update remains to source three (3) large deposits. XXX Client provided exception approval for missing required documentation to support three (3) large deposits which exceed XXX % of the monthly average deposit balance with previously having an LOX stating these three (3) deposits are from a Partnership buyout. | Upon further review by XXX XXX exception is deemed non-material. Exception approved, B Grade with compensating factors: FICO score XXX and LTV XXX % | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: The borrower's middle credit score is XXX which is XXX points higher than the benchmark score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower have total cash asset reserves of $XXX , which equates to XXX months of PITIA reserves. Calculation: $XXX $XXX= XXX months of PITIA. Cash Reserves exceed XXX months of PITIA.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: The loan-to-value (LTV) ratio is XXX%, which is XXX % below the maximum allowable LTV of XXX%.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: The borrower have not had any XXX-day, XXX-day, or XXX-day late payments on the all mortgage accounts within the last XXX months.<br>|
| 409018895 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> B | N/A | N/A<br> B | N/A | N/A | Credit | Credit/Mtg History | Waived<br> B | CRDCRMH148 | Credit report stale dated at closing | No | The credit report in the loan file is dated XXX, and the loan closed on XXX, making the credit report XXX days old. According to the guidelines, credit reports cannot be more than XXX days old at the time of closing. There is an approved exception in file. QC to waive. | XXX Client provided an approved exception to allow the file with the credit aged XXX days | Upon review by XXX XXX XXX, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: The borrower's middle credit score is XXX which is XXX points higher than the benchmark score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower have total cash asset reserves of $XXX , which equates to XXX months of PITIA reserves. Calculation: $XXX $XXX= XXX months of PITIA. Cash Reserves exceed XXX months of PITIA.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: The loan-to-value (LTV) ratio is XXX%, which is XXX % below the maximum allowable LTV of XXX%.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: The borrower have not had any XXX-day, XXX-day, or XXX-day late payments on the all mortgage accounts within the last XXX months.<br>|
| 409018895 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> B | N/A | N/A<br> B | N/A | N/A | Credit | Terms/Guidelines | Waived<br> B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No | Borrowers received cash out within the last XXX months and is not eligible for a cash out transaction | XXX Client provided an approved exception to allow the file with cash out | XXX final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: The borrower's middle credit score is XXX which is XXX points higher than the benchmark score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower have total cash asset reserves of $XXX , which equates to XXX months of PITIA reserves. Calculation: $XXX $XXX= XXX months of PITIA. Cash Reserves exceed XXX months of PITIA.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: The loan-to-value (LTV) ratio is XXX%, which is XXX % below the maximum allowable LTV of XXX%.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: The borrower have not had any XXX-day, XXX-day, or XXX-day late payments on the all mortgage accounts within the last XXX months.<br>|
| 409018895 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> B | N/A | N/A<br> B | N/A | N/A | Property Valuations | Property | Waived<br> B | PRVAPROP177 | Property Issues Indicated | No | The property is situated in a rural area. Per the XXX DSCR Program Guidelines, properties in rural locations are ineligible. | XXX Client provided an approved exception to allow the file with a rural property on the DSCR program | Upon review by XXX XXX XXX Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: The borrower's middle credit score is XXX which is XXX points higher than the benchmark score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower have total cash asset reserves of $XXX , which equates to XXX months of PITIA reserves. Calculation: $XXX $XXX= XXX months of PITIA. Cash Reserves exceed XXX months of PITIA.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: The loan-to-value (LTV) ratio is XXX%, which is XXX % below the maximum allowable LTV of XXX%.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: The borrower have not had any XXX-day, XXX-day, or XXX-day late payments on the all mortgage accounts within the last XXX months.<br>|
| 409018895 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> B | N/A | N/A<br> B | N/A | N/A | Property Valuations | Property | Waived<br> B | PRVAPROP241 | Property Type unacceptable under guidelines | No | Subject appears Unique in the market area and a mixed or commercial property type, used as a XXX. Subject identified as XXX XXX XXX and appears as a mixed use or commercial property, although suitable as a large single residence. The GLA over 5700 sf consists of 11 bedrooms and 7.5 bathrooms. The floor plans and design are typical of XXXusage, bed & breakfast type facilities, etc. Separate exception for the mixed use and unique property type, as there are no comparable sales to match or bracket at the higher end. Both the unique property and mixed uses are ineligible per client guidelines. | XXX Client provided an approved exception to allow the file with the unique property | Upon further review by XXX XXX exception is deemed non-material. LTV is below guidelines and cash reserves exceed guidelines. Final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: The borrower's middle credit score is XXX which is XXX points higher than the benchmark score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower have total cash asset reserves of $XXX , which equates to XXX months of PITIA reserves. Calculation: $XXX $XXX= XXX months of PITIA. Cash Reserves exceed XXX months of PITIA.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: The loan-to-value (LTV) ratio is XXX%, which is XXX % below the maximum allowable LTV of XXX%.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: The borrower have not had any XXX-day, XXX-day, or XXX-day late payments on the all mortgage accounts within the last XXX months.<br>|
| 409019090 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support appraised value of $xxx. | 7.25.25 xxx provided, please clear finding.xxx exception satisfied | 7.25.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at current residence for the past xxx years and xxx months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO xxx> xxxpoints above guideline program minimum of xxx.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: xxx% LTV for Subject Property is below guideline max LTV of xxx%<br>|
| 409019177 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has minimal use of credit with credit usage ratio of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is above the required XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of XXX is below the maximum allowable XXX%.<br>|
| 409019181 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | D | A<br> D | D | A | Compliance | Documentation | Satisfied<br> D<br> A | CMPDOC191 | Missing Mortgage | No | Missing Deed of Trust. | 8.21.25-Client provided Executed mortgage , including riders. Satisfied. | 8.21.25-exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO XXX > 11 points above guideline program minimum of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% is below the minimum program requirement of XXX%. Due to 1st Time Homebuyer<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been employed at current job for the past XXX years and XXX months.<br>|
| 409019326 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is above the required XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Satisfactory Mortgage payment history of XXX months exceeds the required XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves: $XXX or XXX months of PITIA. XXX months required.<br>|
| 409019341 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> A | N/A | N/A<br> C | N/A | N/A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER4238 | Business entity does not meet guidelines | No | Missing LLC documents for XXX (XXX% owner) and XXX (XXX% owner) as guidelines require all entity documents for all entities when borrowing entity is a multi-level entity structure. (Section 1.3.6.2) | 8-6-25 Client uploaded LLC docs. | 8-6-25 XXX reviewed LLC Docs. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV < maximum permitted of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 818 mid score > minimum required of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing assets: $XXX of XXX months PITIA reserves) > minimum required reserves: $XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 0x30 XXX months > maximum permitted of 1x30 XXX months<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Minimal use of available revolving credit lines @ XXX%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has occupied primary residence for 27 years.<br>|
| 409019363 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV < max permitted of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX mid score > min required of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post-closing assets: $XXX (XXXX months PITIA reserves) > min required reserves of 6 months PITIA<br>|
| 409019367 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX mid-score per CBR. XXX minimum.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of reserves in file. XXX months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV per review; XXX% LTV is maximum allowed per guidelines.<br>|
| 409019571 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fee that should be disclosed in Section B is not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession, XXX employment income over XXX years in profession<br>|
| 409019571 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Credit | Application | Satisfied<br> D<br> A | CRDAPP130 | Application is incomplete | No | (a). Missing Lender Final 1003 and to reflect 2nd job as XXX and re-review of assets, income and debts once received (b). Missing signed Business Narrative by borrower (requested to be in closed file at initial review) | 9.29.2025 Client provided executed Business Narrative signed by Borrower, condition remains for Final 1003 10.20.2025 Client provided executed Final 1003 | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession, XXX employment income over XXX years in profession<br>|
| 409019571 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Credit | Assets | Satisfied<br> C<br> A | CRDAST205 | Insufficient Funds to Close | No | (a). Missing Lender Final 1003 and currently using same assets listed on lender assets worksheet (b). File is currently short liquid funds close with using assets reflected on Asset worksheet and verified in file Note: No EMD credit given, if applicable please verify. File have a cashier check of $XXX appears to be some part of EMD however not verified as clearing on statement in file dated XXX and cashier check dated XXX | 9.29.2025 Client provided copy of payment deposit schedule along with copy of EMD cashiers check of $XXX and incoming wire evidence transaction of $XXX for total of $XXX towards given for EMD however only evidence of $80k being verified on XXX - XXX XXX statement as clearing and $XXX was paid on XXX (this statement was not provided to support clearing the $XXX), however with giving $XXX EMD credit, sufficient funds to close have been met. | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession, XXX employment income over XXX years in profession<br>|
| 409019571 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Credit | Assets | Satisfied<br> C<br> A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | (a). Missing Lender Final 1003 (b). File is currently short reserves with using assets reflected on asset worksheet and verified in file Note: No EMD credit given, if applicable please verify. File have a cashier check of $XXX appears to be some part of EMD however not verified as clearing on statement in file dated XXXand cashier check dated XXX | 9.29.2025 Client provided copy of payment deposit schedule along with copy of EMD cashiers check of $XXX and incoming wire evidence transaction of $XXX for total of $XXX towards given for EMD however only evidence of $XXX being verified on XXX - XXX XXX statement as clearing and $XXX was paid on XXX(this statement was not provided to support clearing of the $XXX) and with giving $XXX EMD credit, sufficient funds to close have been met and verified reserves of XXX months is verified. XXXmonths required for this transaction with LTV over XXX% | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession, XXX employment income over XXX years in profession<br>|
| 409019571 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Credit | DTI | Satisfied<br> B<br> A | CRDDTI105 | Debt Ratio Exception 5% or Less | No | Lender DTI XXX%DD Firm DTI XXX% Difference in DTI is: 2nd employment: XXX was done as XXX months bank statements at initial review w/income of $XXX however full file received, initial 1003 states $XXX monthly income per Borrower and Divorce Decree supports monthly income of $XXX(pg 755). This is an fyi condition, guidelines do allow for XXX% DTI, not FTHB. | 10.3.2025 Client provided a snip shot of guidelines stated if initial 1003 income is significantly higher than income stated on the 1003, the underwriter should request an explanation from the borrower to determine acceptability of the income and provided LOX from Borrower. Response, initial 1003 do state lower income but there is also a legal document (XXX in file) that supports even lessor/lower income from this 2nd XXX. Initial condition remains 10.7.2025 Client provided snapshot of 2023 w2 wage info from 2nd job reflected on 2023 1040 which supported $XXX annual for monthly of $XXX (XXX) and stated XXX was not filed yet and legal document in file is dated XXX which stated $XXX which is slightly less than XXX. Initial condition remains 10/26 Client provided updated WVOE income recalculated DTI updated to XXX(meets DTI MAX) | Condition will be satisfied, on file for Client to see where difference in DTI 10/26 Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession, XXX employment income over XXX years in profession<br>|
| 409019571 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Credit | Income/Employment | Satisfied<br> A | CRDINC3204 | Income Documentation Missing | No | 24 months business bank statements Income of $XXX being used for qualifying is supported Closed file to include signed Business Narrative by borrower and signed LOX by borrower | (No Data) | Condition is satisfied with using $XXX supported. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession, XXX employment income over XXX years in profession<br>|
| 409019571 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Regarding 1st employment w/XXX Paystub reflect a bi weekly pay of $XXX and Written VOE reflect a bi weekly pay of $XXXPay per paystub is being used for qualifying (possibly new base pay), provide letter from employer stating this is new bi weekly pay or provide a post close written voe to support this as new base bi weekly pay (received prior to closing). Due to tight on DTI | 10/26 Client provided an Email that Employer used XXX number and it is hard to get an update, also Provided a Post close dated WVOE XXX supporting qualifying income of $XXX bi weekly; income recalculated using XXX WVOE and DTI updated toXXX | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession, XXX employment income over XXX years in profession<br>|
| 409019571 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | A | A<br> D | A | A | Credit | Title | Satisfied<br> D<br> A | CRDTIL865 | Title incomplete | No | Title Commitment in file (pg 1456) reflect a XXX statement with Condominium (#14, #15) provide Final title to support removal of #14 and #15) or email from title company verifying this will not be reflected on Final Title (pg 1456). | 10.7.2025 Client provided copy of updated Final Title with removal of XXX statement with Condo | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession, XXX employment income over XXX years in profession<br>|
| 409020990 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> B<br> A | A | A<br> B | A | A | Property Valuations | Property | Waived<br> B | PRVAPROP177 | Property Issues Indicated | No | Non-warrantable condo with parameters outside of guidelines | Client provide an approved exception request for Non-warrantable condo | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned his primary residence for XXX years XXX month.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is 84 points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX months of PITIA available in reserves; XXX months required.<br>|
| 409021004 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | C | A<br> D | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> 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 | Condition added Lender QM status Safe Harbor however appears Lender is omitting departure home PITIA using Option 1 and is only allowed on Non QM. Missing Lender Non QM status | 11.17.2025 Client provided LOX stating loan is Non QM | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: 0 x 30 for XXXmonths<br>|
| 409021004 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | C | A<br> D | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not on Borrower final CD 08.27.2025. As the fees are at least reflected there is no material issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: 0 x 30 for XXXmonths<br>|
| 409021004 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | C | A<br> D | C | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender to provide an ATR/QM status determination. | 9.11.2025 Client provided Mavent w/QM Safe Harbor however departure home PITIA was omitted using Option 1; separate condition on file for Lender Non QM status | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: 0 x 30 for XXXmonths<br>|
| 409021004 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | C | A<br> D | C | A | Credit | Credit/Mtg History | Satisfied<br> C<br> A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Provide sufficient documentation to support XXX/XXX monthly payment of $XXX excluded from DTI calc, as reflected on 1003 and 1008.If included, DTI e4xceeds XXX%.Subject to DTI recalc and may be subject to additional conditions upon review. | 9.11.2025 Client provided copy of XXX#XXX statement verifying $XXX balance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: 0 x 30 for XXXmonths<br>|
| 409021004 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | C | A<br> D | C | A | Credit | Income/Employment | Satisfied<br> B<br> A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide prior VOE(s) for B1 from XXX - XXX to complete verification of XXX month employment history.May be subject to additional conditions upon review. | 11.12.2025 Client provided CPA Letter stating based on my review of the available records and information provided by the Client, Borrower was XXX through XXX. from XXX - XXX. During this period, no income was generated, and no business expenses were incurred or reported. The business has since been dissolved with no expense. VVOE from current employment XXX verifying current employment re-hired date XXX to present and verified prior employment dated, VVOE was provided from XXX which is current employment and was previous employment from XXX- XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: 0 x 30 for XXXmonths<br>|
| 409021004 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | C | A<br> D | C | A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC3204 | Income Documentation Missing | No | B1 does not have XXX year's w2's, per transcripts, though 1003 states he was employed in XXX.Guidelines:"Stable monthly income must meet the following requirements to be considered for qualifying: Stable - XXX(XXX) year history of receiving the income Verifiable High probability of continuing for at least XXX(XXX) years When the borrower has less than a XXX(XXX) year history of receiving income, the lender must provide a written analysis to justify the determination that the income used to qualify the borrower is stable "Provide sufficient documentation to support above. May be subject to additional conditions upon review. | 11.12.2025 Client provided 2024/2023 1040's (was provided to support being previously self employed however no income was generated or disclosed for 2024/2023 from self employment) and provided CPA Letter stating Borrower was XXX from XXX - XXX and during this period, no income was generated, and no business expenses were incurred or reported. The business has since been dissolved with no expense. In addition, Lender LOX provided regarding income. Response, appears income used for qualifying is 1st and 2nd employment with both starting around same time XXX or XXX and appears Borrower previously worked for XXX (which is a current 1st job employment). VVOE from current employment XXX was provided which also supported prior vvoe with XXX covering employment dates of XXX - XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: 0 x 30 for XXXmonths<br>|
| 409021316 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is above the required XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX or XXX months. XXX months reserves required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history if XXX months exceeds the required XXX months.<br>|
| 409021376 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | N/A | N/A<br> D | N/A | N/A | Credit | Application | Satisfied<br> D<br> A | CRDAPP155 | Application Missing | No | Missing application | 9-4-25 Client uploaded 1003. | 9-5-25 XXX updated data points with 1003. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX%. G/l min is XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying fico is XXX. G/l min is XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months piti reserves<br>|
| 409021428 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying credit score per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV per review; XXX% LTV is maximum allowed per guidelines.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of reserves in file.<br>|
| 409021431 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | A | A<br> D | A | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | UCDP Score 2.6. Missing updated valuation to support appraised value of $XXX | 9-5-25 Client uploaded CDA. | 9-8-25 XXX reviewed CDA and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: $XXX, XXX months; XXX months required<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is 21 points above minimum program requirement of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% is below the guideline minimum of XXX%.<br>|
| 409021472 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years residing in primary residence<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is below the minimum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds the minimum of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Reserves $XXX, PITI $XXX, XXX months reserves, XXX months required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX months reviewed for primary residence mtg exceeds the XXX months required<br>|
| 409021473 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV is below the XXX% max.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrowers XXX FICO score is above the XXX min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, XXX months. XXX months required.<br>|
| 409021492 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX is below guideline requirement max of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of XXX is below guideline requirement max of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves of $XXX or XXX months PITI reserves exceed required reserves of ($XXX x XXX = $XXX).<br>|
| 409021498 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is above the required XXX<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has minimal use of credit with credit usage ratio of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves: $XXX or XXX months of PITIA. XXX months required.<br>|
| 409021528 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: $XXX supports funds to close of $XXX. Verified reserves of $XXX or XXX mo. PITI reserves exceed required reserves of $0.00.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Per application, borrower resides at their primary residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is above the required XXX.<br>|
| 409021538 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is above the required XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of XXX months exceeds the required XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves: $XXX or XXX months of PITIA. XXX months required.<br>|
| 409021551 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX%. G/l max is XXX%<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: XXX% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months piti reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX mid-score per CBR.<br>|
| 409021827 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Insurance | Satisfied<br> D<br> A | CRDINSR3792 | Insurance policy missing Rent Loss/Business Interruption coverage | No | Loan requires rent loss insurance covering a minimum of XXX months for the subject property for the greater of in place or market rent during disruption. | 9/23 client asked for a review; Upon review the subject has sufficient loss of use coverage | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV is below guideline maximum of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves of $XXX or XXX PITI reserves exceed guideline.<br>|
| 409021827 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL100 | Legal document incorrect or incomplete | No | Missing Guaranty Agreement in file. | 9/23 Client provided the executed Guaranty | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV is below guideline maximum of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves of $XXX or XXX PITI reserves exceed guideline.<br>|
| 409021827 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER4631 | Loan parameters do not meet guidelines | No | XXX approved an exception on XXX for property being vacant due to in the process of renovations. | 9/23 Client provided an approved exception to allow the file with a vacant property after renovations at XXX LTV | Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV is below guideline maximum of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves of $XXX or XXX PITI reserves exceed guideline.<br>|
| 409022321 | XXXXXX | XXXXXX | (No Data) | (No Data)<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Assets | Waived<br> D<br> B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Borrower is using 2 different business bank accounts for funds to close and reserves that do not adhere to FNMA seller guides which states: Business assets may be an acceptable source of funds for the down payment, closing costs, and financial reserves. The borrower must be listed as an owner of the account and the account must be verified in accordance with B3-4.2-01, Verification of Deposits and Assets. Borrower is not listed as owner of either account and one acct is a transaction history that only includes page 1 of 3. The exception request is using $XXX reserves as a compensating factor for the ineligible borrower/Entity Note being signed by an LLC, however reserves were calculated using the aforementioned business accounts. | XXX Client provided duplicate (in file pg 468) Entity name and ownership for XXX XXX and XXX Inc. along with executed Personal Guaranty (closed in LLC name of XXX Properties) however nothing provided pertaining to initial condition. XXX Client provided an Email that " CPA letter confirms Borrowers ownership of Businesses and thus by ownership of the Business , ownership of the Business accounts": Response, While agreed the ownership of the Business account is implied by the ownership of the Businesses', FNMA GLs do not allow an entity as the Borrower, and the GLS do require Borrowers name on the account: therefore, 1. an updated exception is required to allow the use of Business assets only on the name of the Entities for reserves. Additional a partial transcript is not acceptable, " one acct is a transaction history that only includes page 1 of 3"2. Provide the complete statements for all assets used. XXX Client provided an Email that "The page 1 of 3 is a transaction history for the savings account, we provided the page 1 that goes back the past XXX days, otherwise it goes back months not needed. Im sorry business bank statements list the business name. Response;XXX months complete statements are required or provide a VOD; Lender further states; if banks were required to have the account holders name on it, then why wouldnt someones name be on it. Your interperating fannies guides wrong." Response; FNMA Seller guide allows for either the Borrowers name on the Business Bank account or for the Borrowers Name to be listed as an Owner of the Account", Borrower is a XXX% owner of Both Businesses, and may not be a signer on one or both of Business accounts; therefore evidence the Borrower is listed on the business accounts is required; Provide a VOD to confirm Borrower is listed as a signer on the account, or provide an amended exception to allow assets without evidence Borrower is a signer on the Business accounts; XXX Client provided an exception to allow the bank accounts wihtout the Borrowers name verified as a signed | Upon review by XXX XXX XXX Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying credit score XXX min score XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI; max XXX%.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX % LTV; max XXX%.<br>|
| 409022321 | XXXXXX | XXXXXX | (No Data) | (No Data)<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL4033 | Missing Legal Document(s) | No | Missing attestation from the borrower stating the property is used 100% of the time for business purposes in order for the designation to be Exempt from QM designation as required by XXX Aspire Expanded program. | 10.24.2025 Client provided executed Business Purpose solely for business purposes | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying credit score XXX min score XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI; max XXX%.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX % LTV; max XXX%.<br>|
| 409022321 | XXXXXX | XXXXXX | (No Data) | (No Data)<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Legal Documents | Waived<br> C<br> B | CRDLGL984 | Legal Documents Are Executed by an Entity or Non- Natural Person | No | Subject loan closed in an LLC which is an ineligible borrower per XXX Expanded Program. Exception request submitted for Entity (LLC) outside of guidelines and was approved on XXX Subject To meeting all XXX Program Guides. Must meet LLC requirements of Aspire DSCR program for exception to be vested and borrower in LLC. Full recourse personal guaranty by all material owners not provided as required by XXX DSCR Program and so approval parameters were not met. | XXX Client provided duplicate (in file pg 468) Entity Name and Ownership (for business XXX XXX and XXX Inc) however subject Note closed in name of XXX LLC and provided executed Personal Guaranty signed by both parties. XXX Client provided an approved exception to allow the file to close in an LLC; | Upon review by XXX XXX XXX Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying credit score XXX min score XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI; max XXX%.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX % LTV; max XXX%.<br>|
| 409022321 | XXXXXX | XXXXXX | (No Data) | (No Data)<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER4631 | Loan parameters do not meet guidelines | No | File is missing Full recourse personal guaranty by all material owners for Note being signed as an LLC which is required by the XXX Expanded DSCR Program as a stipulation for the Exception request to be approved. | XXX Client provided duplicate (in file pg 468) Entity Name and Ownership (for business XXX LLC and XXX Inc) however subject Note closed in name of XXX LLC and provided executed Personal Guaranty signed by both parties. This condition is being satisfied with receipt of executed Personal Guaranty signed by Both | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying credit score XXX min score XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI; max XXX%.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX % LTV; max XXX%.<br>|
| 409022409 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | B | A<br> D | B | A | Compliance | State Consumer Protection | Satisfied<br> B<br> A | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH CSPA; Home Mortgage Information Document | 10/16/25 Client provided the OH Homebuyers Protection Act Informational Document. Condition remains. As reflected on the XXX Disclosure Tracking Details page, provide the fully executed OH Acknowledgment of Receipt of Home Mortgage Loan Informational Document.10/17/25 Client provided the OH Acknowledgment of Receipt and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI is below guidelines maximum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves of $XXX- or XXX-months PITI reserves exceed guidelines.<br>|
| 409022409 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A | B | A<br> D | B | A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC2302 | Missing Required Income Documentation | No | Missing: CPA or borrower prepared business narrative | 10/15 Client provided the Business Narrative | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI is below guidelines maximum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves of $XXX- or XXX-months PITI reserves exceed guidelines.<br>|
| 409023659 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Final CD XXX is only CD in file. Product not disclosed at least XXX days prior to closing date of XXX | XXX Client provided the missing XXX Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 409023659 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XXX is only CD in file. Provide initial CD acknowledged by borrower at least XXX days prior to closing date of XXX | XXX Client provided the missing XXX Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 409023659 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero percent tolerance of $XXX due to increase in appraisal fee on the final CD XXX with no COC in file. COC dated XXX fond in file with no valid reasons documented as to why Appraisal increased. Appraisal invoice dated XXX found in file indicating borrower already paid for the Appraisal. Fee was not disclosed timely. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | XXX Client provided PCCD XXX Reflecting Lender cure of $XXX + $XXX = $XXX LOE, copy of cure check and delivered shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 409023659 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance of $XXX due to increase in Title fees with no valid COC in file. As borrower selected a title provider from SPL, all title fees along with recording fee are tested for XXX % violation. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | XXX Client provided Email responses from the Seller that includes their XXX percent tolerance fee testing. Condition remains. The Seller testing incorrectly includes the $XXX Title Endorsement Fee in their baseline. As this fee was not disclosed on the Final CD, it would be excluded from the baseline fees. Also, Seller is using the Title fees from the Initial XXX CD in their "Final" test. Internal testing is using the fees from the Final XXX CD. The correct Lender Cure required is $XXX. Provide borrower with a $XXX refund, PCCD, LOE and proof of delivery that includes tracking information.XXX Client provided PCCD XXX Reflecting Lender cure of $XXX + $XXX = $XXX, LOE, copy of cure check and delivered shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 409023680 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Assets | Satisfied<br> C<br> A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing a minimum of XXX months PITIA reserves per guide lines. | XXX Client provided XXX months business bank statements for XXX #XXX supporting $XXX in assets along with Operating Agreement which supports borrower having XXX% ownership (material owner) and considering XXX% of assets from this XXX #XXX account towards closing cost/reserves, with considering XXX% of the business funds sufficient funds to close met and verified reserves of XXX months verified. Note: other owners are XXX % and XXX% | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been living at current residence for XXX years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same profession for XXX years.<br>|
| 409023680 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Assets | Satisfied<br> D<br> A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing sufficient assets to cover closing cost of a minimum of $XXX. Statement in file shows only $XXX. | XXXClient provided two months business bank statements for XXX #XXX supporting $XXX in assets along with Operating Agreement which supports borrower having XXX % ownership (material owner) and considering XXX% of assets from this XXX #XXX account towards closing cost/reserves, with considering XXX% of the business funds sufficient funds to close met and verified reserves of XXX months verified. Note: other owners having XXX% and XXX% ownership | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been living at current residence for XXX years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same profession for XXX years.<br>|
| 409023680 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Terms/Guidelines | Waived<br> B | CRDTER3122 | Loan documents do not meet guideline requirements | No | DSCR outside of guide lines. | XXX Upon further review XXX XXX XXX determined that ender the DSCR outside of guidelines with fico XXX less than XXX with DSCR 0.97 less than 1.0 is non material due to the following compensation factors: good credit with timely housing payments, and more than required tradelines. | XXX XXX final grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been living at current residence for XXX years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same profession for XXX years.<br>|
| 409023681 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX % LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score; XXX required.<br>|
| 409023773 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | C | A<br> D<br> B | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> A | CMPATRQM2908 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Residual income analysis does not meet client guidelines | No | Residual income of XXX is below the minimum required amount of $XXX for 2-person household. | (No Data) | Residual income is $XXX. Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required.<br>|
| 409023773 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | C | A<br> D<br> B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Section H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required.<br>|
| 409023773 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | C | A<br> D<br> B | C | A | Credit | Assets | Waived<br> D<br> B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | File is missing an additional month's consecutive bank statement for XXX Financial accounts \*XXX and \*XXX, XXX\*XXX, XXX \*XXX and XXX \*XXX XXX month's statements only were provided in the file. | XXX Client provided exception approval to allow for XXX month bank statement, guidelines require two months | Upon further review by XXX XXX exception is deemed non-material. Exception approved, B Grade with compensating factor: Fico score XXX and XXX years in profession | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required.<br>|
| 409023773 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | C | A<br> D<br> B | C | A | Credit | DTI | Waived<br> C<br> B | CRDDTI134 | Debt Ratio Exception =>10% | No | Recalculated income resulted in DTI of XXX% which exceeds the maximum allowable DTI of XXX %. Lender used income from XXX - months business bank statements of $XXX /month due to using a XXX% expense factor. Recalculated income was $XXX /month using a XXX% expense factor. Business bank statement documentation requirements allow using a fixed expense ratio factor as provided by a CPA/Third Party Tax Preparer. CPA/licensed tax preparer must attest that they have audited the business financial statements or reviewed working papers provided by the borrower. CPA/licensed tax preparer must attest that they are not related to the borrower or associated with the borrowers business. (Expense factor can never be less than XXX %). This documentation was not provided in the file. Using the minimum allowable expense factor of XXX % results in qualifying income of $XXX month and DTI of XXX % which also exceeds the maximum allowable DTI. | XXX Client provided an approved exception to allow the file using a XXX% expense factor below GL Min allowable Exp factor of XXX% | Upon review by XXX XXX XXX Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required.<br>|
| 409023773 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | C | A<br> D<br> B | C | A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC2488 | Verbal verification of employment missing | No | File is missing verification of the existence of borrowers XXX-employment verified through a third-party source and no more than XXX (XXX) calendar days prior to the Note date. | XXX Client provided SOS verification verifying XXX employment | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required.<br>|
| 409023773 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | C | A<br> D<br> B | C | A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER3122 | Loan documents do not meet guideline requirements | No | 1) File is missing a 4506-C/Form 8821 signed and completed for all borrowers.2) File is missing documentation ensuring borrower's percentage of ownership in the business which may include a business license, signed written statements from a CPA or Third-Party Tax Preparer, partnership agreement, or Business Certificate filed with a governmental agency.3) File is missing third party evidence borrower's business is in existence and in good standing. | XXX Client provided LOX stating, 4506 not required for bank statement alt doc with tax returns not required. Reviewed on previous files with XXX. Response, Agree condition now remains for (a). evidence of percentage of ownership and (b). evidence of in existence and in good standing. XXX Client provided SOS verifying XXX% ownership and evidence in good standing | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required.<br>|
| 409023773 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | C | A<br> D<br> B | C | A | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER4631 | Loan parameters do not meet guidelines | No | Client guidelines require borrowers business to be in existence for the past two (XXX) years for bank statement alternative documentation guidelines. Borrower has been XXX-employed since XXX which is below the minimum XXX-year requirement. | XXX Client provided an approved exception to allow the file with with Borrower self employed since XXX less than XXX years | Upon review by XXX XX XXXX Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required.<br>|
| 409023776 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> A | N/A | N/A<br> C | N/A | N/A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER4631 | Loan parameters do not meet guidelines | No | File is missing Guaranty Agreement | 10.1.2025 Client provided executed Guaranty Agreement | condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>|
| 409024083 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B | C | B<br> C | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current self employment (XXX years)<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>|
| 409024083 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B | C | B<br> C | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX% tolerance in the amount of $XXX as Recording Fees increased on LE XXX without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | XXX Client provided PCCD XXX with cure, copy of cure check, LOE and In Transit shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current self employment (XXX years)<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>|
| 409024083 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B | C | B<br> C | C | B | Credit | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing Lender QM status determination | XXX Client accepts DD QM status | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current self employment (XXX years)<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>|
| 409024083 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B | C | B<br> C | C | B | Credit | Application | Satisfied<br> A | CRDAPP130 | Application is incomplete | No | Regarding CPA Letter, inconsistency of how long been a Client 1st letter says borrower have been a Client over XXX years2nd letter says borrower have been a Client over XXX years Inconsistency can raise questions about the accuracy of the information provided by CPA, need to be addressed by CPA. CPA to address the difference over XXX years on one letter and over XXX years on another letter as a Client, XXX years as a Client appears to be a typo on 2nd letter however to be addressed | XXX Client provided an updated CPA Letter clarifying Borrower became a Client on XXX XXX , XXX and stating both letters are correct however re-verified Borrower have been a Client for over XXX years. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current self employment (XXX years)<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>|
| 409024083 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B | C | B<br> C | C | B | Credit | Assets | Satisfied<br> B<br> A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Per 1003 Assets w/XXX #XXX balance of $XXX however missing the two (XXX) months XXX #XXX statements to cover funds to close and required reserves per exception approval of $XXX | XXX Client provided HUD from REO sale to source funds to close additional statements not required with funds sourced from sale satisfying assets See condition for Min reserves | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current self employment (XXX years)<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>|
| 409024083 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B | C | B<br> C | C | B | Credit | Credit/Mtg History | Waived<br> B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Subject property in ME and file having an LOX from borrower (pg 377) stating no affect on business with move VOR in file from current housing where renting (pg 578), missing evidence of giving notice to vacate at XXX XXX #XXX | XXX Client provided LOX stating, The borrower did confirm her intent to move to Maine and use the subject property as her primary residence with a letter of intent. We did confirm her rental history and rent amount using a VOR. The VOR confirmed a monthly rent of $XXX. Her monthly debt before rent was $XXX, so if we include the rent, it is $XXX. Her monthly qualifying is $XXX If we include the rent, the DTI is still only XXX% which is well below the maximum DTI ofXXX %. Response, Agree if we include still within however this is pertaining to Occupancy Subject as Primary Condition remains for evidence notice given to vacate at current rental at: XXX XXX #XXX XXX Client provided exception approval for missing evidence of departure rental of notice given to vacate for Occupancy of Subject as Primary, with including the VOR housing payment of $XXX in DTI and file having an LOX from Borrower subject as primary with no affect on business. | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current self employment (XXX years)<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>|
| 409024083 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B | C | B<br> C | C | B | Property Valuations | Property | Waived<br> B | PRVAPROP177 | Property Issues Indicated | No | Subject having XXX acres which exceeds guidelines maximum Waiver provided however not yet approved due to required assets of $XXX to be verified, currently not verified | XXX Client asked for a review; on review XXX current verified reserves are $XXX and required Min reserves per exception approval is $XXXXXX Client provided updated approved exception allowing $XXX in reserves and XXX Acres | Upon review by XXX XXX XXX Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current self employment (XXX years)<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>|
| 409024198 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> C | D | B<br> D<br> C | D | B | Compliance | Compliance Manual | Waived<br> D<br> B | CMPMAN2954 | Missing Initial Escrow | No | Transaction does not escrow for taxes; not allowed per XXX Expanded DSCR program. | XXX Client provided exception approval to allow for not escrowed for taxes, locked with partial escrows HOI | Upon further review by XXX XXX exception is deemed non-material. Exception is approved, B Grade with compensating factors: fico score XXX and satisfactory mortgage payment history | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: The borrower's middle credit score is XXX which is XXX points higher than the benchmark score of XXX for first-time investor.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX mo. XXX x XXX mortgage payment history; no more than XXX x XXX x XXX allowed.<br>|
| 409024198 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> C | D | B<br> D<br> C | D | B | Credit | Assets | Waived<br> D<br> B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | The loan file is missing additional consecutive XXX XXX statements. The only statement currently in the file is dated XXX XXX , XXX. Additionally, consecutive XXX bank account statements are also missing, with the only available statement dated XXXV XXX , XXX | XXX Client provided exception approval to allow for XXX month bank statement | Upon further review by XXX XXX exception is deemed non-material. Exception is approved, B Grade with compensating factors: fico score XXX and satisfactory mortgage payment history | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: The borrower's middle credit score is XXX which is XXX points higher than the benchmark score of XXX for first-time investor.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX mo. XXX x XXX mortgage payment history; no more than XXX x XXX x XXX allowed.<br>|
| 409024198 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> C | D | B<br> D<br> C | D | B | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER4631 | Loan parameters do not meet guidelines | No | DSCR calculated using the XXX net operating income of $XXX /XXX = $XXX % XXX% reduction for Short Term Rental)= $XXX/mo./$XXX PITIA= XXX%, as required by and is below the XXX minimum for the XXX Expanded DSCR Program. Exception request for DSCR XXX% approved XXX however approval is Subject to "must meet all other guidelines". Additional exceptions were made for 1. An escrow account for taxes was not placed on the transaction and 2. The investor concentration at the subject condotel project is XXX%, exceeding the XXX% max for short term rentals, and so the XXX XXX XXX finds the approval conditions have not been met. Review did note an email correspondence requesting an approval for investor concentration, however it is not part of the Exception Request provided in file and exception requests must be placed and approved prior to the close of the transaction. | XXX Client provided LOX stating, .XXX x DSCR is minimum required per program guidelines. Response, per guidelines: Short Term Rental Max XXX% LTV, minimum DSCR is 1.00x and subject transaction DSCR is < XXX%;Condition remains, minimum XXX% DSCR not met for Short Term rental (Subject is Condotel) XXX Client provided an approved exception to allow the file with the min DSCR XXX not met | Upon review by XXX XXX XXX Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: The borrower's middle credit score is XXX which is XXX points higher than the benchmark score of XXX for first-time investor.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX mo. XXX x XXX mortgage payment history; no more than XXX x XXX x XXX allowed.<br>|
| 409024198 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> C | D | B<br> D<br> C | D | B | Property Valuations | Property | Waived<br> C<br> B | PRVAPROP177 | Property Issues Indicated | No | Subject condotel project has an XXX% investor concentration, exceeding the XXX% maximum for the Aspire Expanded DSCR program. | XXX Client provided exception approval for Non Warrantable Condo, Condotel with over XXX% investor concentration (actual XXX% investor concentration) exceeding the XXX% maximum per guidelines | Upon further review by XXX XXX exception is deemed non-material. Exception is approved, B Grade with compensating factors: fico score XXX and satisfactory mortgage payment history | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: The borrower's middle credit score is XXX which is XXX points higher than the benchmark score of XXX for first-time investor.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX mo. XXX x XXX mortgage payment history; no more than XXX x XXX x XXX allowed.<br>|
| 409024306 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Assets | Waived<br> C<br> B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing an additional $XXX in borrower funds due to $XXX effective, $XXX to close resulting in only $XXX reserves where ($XXX + REO $XXX =) $XXX reserves are required. | XXXClient provided an approved exception to allow the file with $XXX verified reserves | Upon review by XXX XXX XXX Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been at the same job for XXX years.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: The primary borrower has no XXX-day late payments in the past XXX months on the XXX. account as reported on the credit report.<br>|
| 409024306 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Assets | Waived<br> D<br> B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | The borrower is using XXX XXX and XXX XXX business accounts required for funds to close and reserves, however the statements are in the name of the businesses only and do not reflect the borrower as owner of the account as is required by FNMA. FNMA requires the borrower to be listed as an owner of the account and then the account verified in accordance with the B3-3.2-01 requirement of a cash flow analysis to be performed when borrower is using s/e income and intends to use assets from the business as funds to close/reserves. XXX acct XXX is being used to qualify an Alt Doc XXX mo. business bank statement income approach. | XXX Client provided an approved exception to allow the file using business account assets | Upon review by XXX XXX XXX Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been at the same job for XXX years.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: The primary borrower has no XXX-day late payments in the past XXX months on the XXX. account as reported on the credit report.<br>|
| 409024306 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing lender's XXX month bank statement income worksheet required for review analysis, including all excluded deposits to validate total allowable deposits used in qualifying. | XXX Client provided the BS income WS | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been at the same job for XXX years.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: The primary borrower has no XXX-day late payments in the past XXX months on the XXX. account as reported on the credit report.<br>|
| 409024306 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Income/Employment | Waived<br> B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Verification of the existence of borrowers XXX employment must be verified through a third-party source and no more than thirty (XXX) calendar days prior to the Note date XXX; Tax preparer letter is not dated and a borrowers website is not acceptable third-party source. | XXX Client provided an exception to allow the file with the tax preparer letter in file and SOS provided | XXX final grade is B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been at the same job for XXX years.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: The primary borrower has no XXX-day late payments in the past XXX months on the XXX. account as reported on the credit report.<br>|
| 409024306 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | LTV/CLTV | Waived<br> C<br> B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | XXX% LTV exceeds the XXX Expanded AltDoc Max of XXX% for an investment Purchase for loan amt <$XXX m and FICO XXX | XXX Client provided an approved exception to allow the file with a XXX LTV with MAX LTV of XXX | Upon review by XXX XXX XXX Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been at the same job for XXX years.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: The primary borrower has no XXX-day late payments in the past XXX months on the XXX. account as reported on the credit report.<br>|
| 409024306 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER4631 | Loan parameters do not meet guidelines | No | Subject Note is closing in XXX a Florida Limited Liability Company; an LLC with a prepayment penalty is an ineligible borrower and parameter for the XXX Expanded Program. | 10/20 Client provided an approved exception to allow the file with the LLC and a PPP | Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been at the same job for XXX years.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: The primary borrower has no XXX-day late payments in the past XXX months on the XXX. account as reported on the credit report.<br>|
| 409024311 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | A<br> C<br> B | C | A | Compliance | Right of Rescission | Satisfied<br> C<br> A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR Expiration date is XXX; Final CD XXX disbursement date is XXX. Borrower did not receive full mandatory rescission period. Condition is pending receiving final ALTA statement with later disbursement date and corrected PCD with LOE and proof of delivery to borrower | XXX Client provided an LOE to borrower and 2 copies of a XXX PCCD reflecting a revised Disbursement Date of XXX. Condition remains. Provide the signed/stamped Final ALTA/Settlement Statement to confirm the XXX Disbursement.XXX Client provided the stamped Final Settlement Statement confirming Disbursement on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX-employed with current business since XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX months of PITIA available in reserves. Reserves not required due to LTV below XXX%.<br>|
| 409024311 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | A<br> C<br> B | C | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender did not provide an ATR/QM status determination. | XXX Client accepts QM determination of SH APOR | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX-employed with current business since XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX months of PITIA available in reserves. Reserves not required due to LTV below XXX%.<br>|
| 409024311 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | A<br> C<br> B | C | A | Credit | Application | Waived<br> C<br> B | CRDAPP131 | Occupancy status not supported by file documentation | No | Subject loan closed as a refinance of a primary residence. However, the final 1003, the Closing Disclosure and borrower's driver license indicate borrower owns and has lived at a different property located at XXX XXX , XXX , CA for XXX years and XXX month. Proof of owner occupancy is required. | XXX Client provided a XXX HUD showing Borrower owns XXX XXX Condition remains Proof of owner occupancy is required.XXX Client provided an approved exception to allow the file without additional proof of occupancy | Upon review by XXX XXX XXX Condition is a Non Material B grade; Low LTV, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX-employed with current business since XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX months of PITIA available in reserves. Reserves not required due to LTV below XXX%.<br>|
| 409024311 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | A<br> C<br> B | C | A | Credit | Application | Waived<br> C<br> B | CRDAPP2412 | Potential straw-buyer | No | It appears the subject property was acquired by borrower in XXX after which borrower deeded the property to XXX XXX, a married woman, as her sole and separate property on XXX Property was then deeded back to the borrower on XXX, prior to closing the subject transaction. A 3rd party fraud report indicates borrower deeded property back to prior title holder on XXX, after closing the subject transaction. Additionally, the final 1003, the Closing Disclosure and borrower's driver license indicate borrower owns and has lived at a different property located at XXX XXX XXX , CA for XXX years and XXX month. An explanation letter from the borrower explaining why he is removing himself from title after prior and current loan closings, as well as proof of marriage to XXX XXX and owner occupancy is required. | XXX Client provided copies of the transfer deed; still missing An explanation letter from the borrower explaining why he is removing himself from title after prior and current loan closings, as well as proof of marriage to XXX XXX and owner occupancy is required.XXX Client provided an approved exception to allow the file without the LOX and evidence of marriage | Upon review by XXX XXX XXX Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX-employed with current business since XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX months of PITIA available in reserves. Reserves not required due to LTV below XXX%.<br>|
| 409024311 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | A<br> C<br> B | C | A | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER3122 | Loan documents do not meet guideline requirements | No | 1) File is missing a signed XXX Business Narrative that includes at minimum details related to the description, nature, size (full-time employees and or contractors) and scope of the business.2) File is missing 4506-C/Form 8821 must be signed and completed for all borrowers as required by client guidelines. | XXX Client provided an approved exception to allow the file without the Narrative | Upon review by XXX XXX XXX Condition is a Non Material B grade; Low LTV, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX-employed with current business since XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX months of PITIA available in reserves. Reserves not required due to LTV below XXX%.<br>|
| 409024330 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | A<br> C<br> B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Underwriting fee increased from CD XXX $XXX to revised CD XXX $XXX. No COC provided listing fee increase or any details as to why fee increased. No cure provided on final CD. Condition pending receipt detailed COC with fee increase validated or Post CD reflecting lenders cure, LOX, Refund of $XXX w/ Proof of Delivery. | 10/17/25 Client provided the missing XXXCOC detailing the fee changes. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: The borrower's middle credit score is XXX, which is 65 points higher than the benchmark score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: The borrower has a Debt to income ratio of XXX% which is XXX% lower than the max debt to income ratio of XXX%.<br>|
| 409024330 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | A<br> C<br> B | C | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing Lenders ATR/QM determination | 10/16 Client accepts ATR QM determinatiion | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: The borrower's middle credit score is XXX, which is 65 points higher than the benchmark score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: The borrower has a Debt to income ratio of XXX% which is XXX% lower than the max debt to income ratio of XXX%.<br>|
| 409024330 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> B<br> A | C | A<br> C<br> B | C | A | Property Valuations | Property | Waived<br> C<br> B | PRVAPROP177 | Property Issues Indicated | No | Appraisal report is missing photo of Kitchen. Please provide updated signature page and photo of kitchen | 10/16 Client provided an approved exception to allow the file with out the photo of kitchen (per appraisal comments "well maintained and updated including kitchen") | Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: The borrower's middle credit score is XXX, which is 65 points higher than the benchmark score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: The borrower has a Debt to income ratio of XXX% which is XXX% lower than the max debt to income ratio of XXX%.<br>|
| 409024336 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower's credit utilization ratio is XXX%.<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: Borrower has had timely payments on mortgage accounts.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrowers have had no late or derogatory credit history.<br>|
| 409024340 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> D<br> B<br> C<br> A | A | A<br> D<br> B<br> C | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years XXX months at current job<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX DTI and max is XXX<br>|
| 409024340 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> D<br> B<br> C<br> A | A | A<br> D<br> B<br> C | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing Lenders QM determination | 10/18 Client accepts QM dtermination | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years XXX months at current job<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX DTI and max is XXX<br>|
| 409024340 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> D<br> B<br> C<br> A | A | A<br> D<br> B<br> C | A | A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing lenders income worksheet for XXX months bank statements; Income has not been finalized | 10/17 Client provided the income Ws supporting qualifying income | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years XXX months at current job<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX DTI and max is XXX<br>|
| 409024340 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> D<br> B<br> C<br> A | A | A<br> D<br> B<br> C | A | A | Property Valuations | Appraisal | Waived<br> D<br> B | PRVAAPPR3116 | Missing updated valuation | No | Provide a CDA supporting the appraised value | 10/17 Client provided an LCA score of 1.5; Condition remains an LCA score is not an available option; Per GLs a FNMA CU score may be provided or a CDA/CCA10/21 Client provided an approved exception to allow the file with an LCA of 1.5 | Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years XXX months at current job<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX DTI and max is XXX<br>|
| 409024875 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> B<br> A | N/A | N/A<br> B | N/A | N/A | Credit | Credit/Mtg History | Waived<br> B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing XXXmonths mtg payment history for primary residence. Credit Report and billing statement verify XXX months. | 10.29.2025 - Acknowledged by client. | 10.29.2025 - Non material exception remains. | (No Data) | Not Applicable | CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Payment reduced by $XXX/month or XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score XXX exceeds the minimum of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, XXX months reserves, XXX months required<br>|
| 409024894 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> B<br> A | A | A<br> B | A | A | Credit | Income/Employment | Waived<br> B | CRDINC3204 | Income Documentation Missing | No | Guidelines require if using a higher actual lease amount, evidence of XXX-months of receipt is required.Lender provided lease at $XXX and evidence of one months receipt. XXX deems non-material/non-fatal to lending decision due to compensating factors: XXX months cash reserves/XXX required, credit score of XXX/XXX minimum and XXX years at current residence. | 10.29.2025 - Acknowledged by client. | 10.29.2025 - Non material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves= $XXX, XXX months. XXX months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is above the required XXX.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has lived at present address for XXX years.<br>|
| 409024896 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Representative score of XXX exceeds guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves of $XXX or XXX months PITI reserves exceed required reserves of ($XXX x XXX = $XXX).<br>|
| 409024941 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is above the required XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX is below the maximum allowable of XXX%<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has minimal use of credit with credit usage ratio of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves: $XXX or XXX months of PITIA. XXX months required.<br>|
| 409024994 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for XXX years<br>|
| 409025013 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Verified credit score XXX; the guideline minimum is XXX.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: The borrower has been at current residence XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, XXX months. No reserves are required.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: XXX months of 0x30 consumer credit history per CBR.<br>|
| 409025019 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying fico is XXX. G/l min is XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months piti reserves. XXXrequired.<br>|
| 409025022 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of reserves in file. XXX required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX mid-score per CBR. XXX minimum.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years living at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX months of 0x30 mortgage history per CBR. XXXmonths required.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: XXX months of 0x30 consumer credit history per CBR.<br>|
| 409025049 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is above the required XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX is below the maximum allowable of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves: $XXX or XXX months of PITIA. XXX months required.<br>|
| 409025067 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Credit | LTV/CLTV | Waived<br> C<br> B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Maximum LTV for near NONI is XXX%, loan closed at XXX% LTV. Loan is near NONI, lease $XXX/expenses $XXX -= XXX%. XXX determines this is non material, as borrower has XXX months reserves/XXX months needed, credit score is XXX/XXX minimum, and borrower has been at current residence for XXX years. | 10.29.2025 - Acknowledged by client. | 10.29.2025 - Non material exception remains. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying fico is XXX. G/l min is XXX<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: XXX% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months piti reserves<br>|
| 409025574 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption (APOR)<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | XXX determination is rebuttable. Client did not provide a copy of QM determination. | XXX Client provided determination NON QM | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years XXX months at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: score XXX exceeds program minimum of XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX months mortgage history with no lates exceeds program minimum of XXX months.<br>|
| 409025574 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption (APOR)<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Assets | Waived<br> D<br> B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | XXX full consecutive months are required by guideline. Missing a month of XXX XXX as required by guideline. Received XXX through XXX | XXX Client provided exception approval to allow for XXX month bank statement, guidelines require two months | Upon further review by XXX XXX exception is deemed non-material. Exception approved, B Grade with compensating factors: Fico score XXX and XXX years at current residence. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years XXX months at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: score XXX exceeds program minimum of XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX months mortgage history with no lates exceeds program minimum of XXX months.<br>|
| 409025574 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption (APOR)<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Credit/Mtg History | Waived<br> B | CRDCRMH104 | Credit score below guidelines | No | Loan file does not support guidelines to use of P&L only for XXX employed income documentation with a minimum credit score of XXX using XXX or XXX months. | XXX Client provided an approved exception to allow the file with a Score below XXX | XXX final grade is B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years XXX months at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: score XXX exceeds program minimum of XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX months mortgage history with no lates exceeds program minimum of XXX months.<br>|
| 409025574 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption (APOR)<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Terms/Guidelines | Satisfied<br> B<br> A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The P&L contained in the file was completed using the lender's (XXX Bank) computer inputted form but signed though by a third party (3rd party tax preparer with PTIN). However, file is missing 3rd party PTIN and evidence that the 3rd party completed the profit and loss. | XXXClient provided duplicate copy of XXX employment letter (in file) along with provided PTIN directory for Tax Preparer and Letter in file from Tax Preparer (pg 228) verifies she completed the attached XXX months profit/Loss form however (a). PTIN info provided is a Certificate (with Sample in background of Certificate) however missing evidence PTIN XXX belonging to XXX XXX and (b). need clarification regarding XXX employment letter stating: From the date of this form, has the business operated at a loss in the past XXX months? says Yes. Further clarification is required regarding, stated: Yes, business operated at a loss in the past XXX months. Condition remains for a and b format (above) to be documented/addressed. XXX client provided evidence of PTIN belonging to tax preparer; still missing Further clarification is required regarding, stated: Yes, business operated at a loss in the past XXX months. XXX Client asked for a review; Upon review by XXX XXX XXX ; The XXX P&L shows a net loss of XXX cents which is sufficent to explain the PTIN yes answer for "is Bus operating at a loss in the past" | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years XXX months at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: score XXX exceeds program minimum of XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX months mortgage history with no lates exceeds program minimum of XXX months.<br>|
| 409025574 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption (APOR)<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Terms/Guidelines | Waived<br> B | CRDTER4631 | Loan parameters do not meet guidelines | No | CPA letter in file indicated Third party did not prepare the borrowers most recent filed returns and did not provide current/active license or certification-no exceptions | XXX Client provided duplicate (in file) Letter from accountant, was reviewed at time of initial review. Condition remains, per P & L Only guidelines: Third party must have prepared the borrowers most recent filed returns. Per accountant letter have reviewed the most recent XXX tax returns, however did not prepare the most recent filed returns. XXX Client provided an approved exception to allow the file without the P&L | Upon review by XXX XXX XXX Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years XXX months at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: score XXX exceeds program minimum of XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX months mortgage history with no lates exceeds program minimum of XXX months.<br>|
| 409025802 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Waived<br> C<br> B | CMPATRQM2970 | TILA - Loan is a non-QM loan with documented ATR UW factors; points and fees exceed client's 3% guideline. | No | Total Charges XXX %And Non QM due to income being P&L only | XXX Client provided exception approval to allow for points/fees exceeding XXX % with Non QM status | Upon further review by XXX XXX , exception is deemed non-material. Exception is approved, B Grade with compensating factors: DTI XXX% | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI<br>|
| 409025802 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of XXX due to added State Tax fee on a revised CD XXX with no valid reasons documented on COC XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund | XXX Client provided an XXX PCCD with cure, LOE, $XXX refund check and tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI<br>|
| 409025802 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Initial CD XXX is e-singed by non-borrowing spouse but a prior e-consent is missing in file. | XXX Client provided the missing XXX E-Consent for the NBS. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI<br>|
| 409025802 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender to provide an ATR/QM status determination. | XXX Client provided Non QM status determination | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI<br>|
| 409025802 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Assets | Waived<br> C<br> B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Reserves sourced:Months PITI Reserves (Qual Rate)XXX Cash Reserves$XXXRequired:XXX months PITI, not met Provide additional asset statement(s), meeting guidelines, supporting B1 had required reserves. May be subject to additional conditions upon review. | XXX Client provided exception approval to allow for XXX months reserves (Seller guide) vs XXX months (Client guideline) | Upon further review by XXX XXX, exception is deemed non-material. Exception approved, B Grade with compensating factors: DTI XXX % with LTV of XXX% and fico score XXX | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI<br>|
| 409025802 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Credit/Mtg History | Waived<br> B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Tradeline requirements not met | XXX Client provided exception approval for tradelines not met, per guidelines | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI<br>|
| 409025802 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC150 | Income docs do not meet guidelines | No | 1. CPA prepared P&L is on the Lender's form2. CPA prepared Business Narrative is on the Lender's form | XXX Client provided LOX stating, Forms signed by preparer. Acceptable to accept XXX form if Accountant/CPA/Tax Preparer/Enrolled Agent completed. Response, agree signed by Tax Preparer however will need LOX from CPA tax preparer stating these forms P/L and Business Narrative was completed by CPA (XXX) (post close letter is acceptable). Both letters were not folded as being coming from mail and no fax verifying being faxed into Lender, on Lender form.Agree with initial condition to be addressed by CPA as being completed by CPA However loan is Non QM will accept on Lenders form assuming completed by CPA due to being signed. Non QM | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI<br>|
| 409025802 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC2340 | Employment verification does not meet guidelines | No | Guidelines for Non PRA:'Borrower must have a current twenty-four (XXX) month employment history in the US.'a. page 356 combined file shows Columbia addressb. page 324, Borrower LOE, states she was previously 'residing in the US on a travel Visa'c. page 290, prior Visa is R B1/B2 which is not allowed for US wages d. page 391 shows work authorization in US XXX, and page 17 shows XXX.Provide sufficient documentation for most twenty-four (XXX) month employment history in the US. May be subject to additional conditions upon review. | XXXClient provided an LOE regarding address however initial conditions remains missing evidence of twenty-four (XXX) month employment history in the US XXX Client provided Lender LOX stating, Seller comment: Prior to the current EAD in file, the borrower did provide previous XXX visa from XXX - XXX, which was replaced with the EAD used. The business that is the borrowers employment has been verified as original registered inXXX which is > XXX mo history. This is sufficient to QB Lite Doc guidelines please review. Response, Client provided a State of Ohio Certification that says under Document/description: Registration of Corporation Name - Unlicensed Corp effective date XXX ; initial condition remains XXX Client provided duplicate prior document showing unlicensed Corp effective date XXX and appears to have provided another State of Ohio Certificate for business effective date XXX; with considering effective date of XXX less than XXX consecutive years current XXX employment, possibly have been a gap from October XXX - XXX (unlicensed). Initial condition remains XXX Client provided an LOX; Upon review by XXX XXX XXX File has organization papers from XXX, Corp Name Reg from XXX, and Corp Registration from XXX all show various registrations and name changes but all reflect the ties to the Borrower by Name and Business name which is satisfactory for a XXX year history of employment | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI<br>|
| 409025802 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Please provide below for FCI Heloc, per guidelines:'If subject transaction is paying off a HELOC that is not included in the CLTV/HCLTV calculation, the loan file must contain evidence the HELOC has been closed' | XXX Client provided a HUD-1 however still missing evidence HELOC have been or will be closed to future withdraws. Condition remains XXX Client provided copy of Final Title with removal of HELOC and appears to have been terminated upon receipt of payoff | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI<br>|
| 409025802 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | B<br> D<br> A | D | B | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER4631 | Loan parameters do not meet guidelines | No | Borrower is a NON PRA per 1003.Guides:"Non-Permanent Resident Aliens with evidence of lawful residency are eligible with the following restrictions:? Primary residence only. (met)? Credit tradeline requirements must be met, no exceptions. (not met)? History of one Visa renewal (Provide)? Borrower must have a current twenty-four (XXX) month employment history in the US (provide)" | XXX Client provided duplicate (in file) current VISA (pg 290) however initial condition remains: (a). Missing evidence tradeline requirement met (exception on file for this), (b). missing history of one visa renewal and (c). missing XXX months employment history in the US XXX Client provided Lender LOX in Collaborate however still under review: missing history of one visa renewal and missing XXX months employment history in the US. State of OHIO document provided states unlicensed Corp. XXX Client provided duplicate prior document showing unlicensed Corp effective date XXX and appears to have provided another State of Ohio Certificate for business effective date XXX with considering effective date of XXX less than XXX consecutive years current XXX employment, possibly have been a gap from XXX XXX - XXX. Condition remains, (a). still missing history of one visa renewal and (b). XXX months employment history in the US XXX Client provided an LOX; Upon review by XXX XXX; File has organization papers from XXX, Corp Name Reg from XXX and Corp Registration from XXX all show various registrations and name changes but all reflect the ties to the Borrower by Name and Business name which is satisfactory for a XXX year history of employment ; Condition remains, (a). still missing history of one visa renewalXXX Client provided an approved exception to allow the file without theXXX year renewal evidence | Upon review by XXX XXX XXX Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI<br>|
| 409025998 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is XXX points above minimum program requirement of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has $XXX /XXX PITIA which is > guideline minimum of $XXX<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Borrower has XXX X XXX for XXX months<br>|
| 409026294 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER4631 | Loan parameters do not meet guidelines | No | DSCR Score XXX % is below the required XXX % on a cash out refi with the credit score below XXX. Borrower's middle score is XXX | XXX Client provided an approved exception to allow the file with a XXX DSCR | Upon review by XXX XXX XXX Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Not lates in most recent XXX months<br>CFCFS1739: Postive mortgage payment history<br> - XXX Comments: XXX exceeds required XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX verified assets from cash out is sufficient to cover XXX months reserve requirements $XXX =$XXX.<br>|
| 409031799 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors<br> D<br> A | C | A<br> D | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> 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 | Subject loan ATR/QM status is Non-QM: Lender documented all ATR UW factors. Client overlays indicate all loans must be deemed QM. Non-QM not allowed. The test APR is XXX %, the benchmark APR is XXX% resulting in a difference of XXX%, max difference allowed is XXX% | XXX Client asked for additional information; File is a XXX yr ARM; Lender qualified at Note rate and DD qualified per GLs at Note +2, remains NON QMXXX Client accepts DD determination of NON QM | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score; XXX required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV; 80% max allowed.<br>|
| 409031799 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors<br> D<br> A | C | A<br> D | C | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support appraisal value of $XXX . CU score is 4.2. | XXX Client provided a CDA supporting the appraised value with a XXX% variance | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score; XXX required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV; 80% max allowed.<br>|
| 409033525 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for XXX years as property owner.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is above the required XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves= $XXX, XXX months. XXX months required.<br>|
| 409033530 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX FICO score is above the XXX min.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV is below the XXX% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of reserves are above the required XXX<br>|
| 409033532 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> B<br> A | N/A | N/A<br> B | N/A | N/A | Credit | LTV/CLTV | Waived<br> B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Maximum LTV is XXX% when DSCR < XXX. File closed at XXX% LTV with XXX% DSCR. Guidelines require using XXX% of XXX rent. Total income $XXX/$XXX= XXX%. XXX deems this non material as borrower is experienced investor with XXX months reserves/XXX moths required, credit score of XXX/XXX, and minimum usage of credit lines. Also, DSCR is just under XXX%. | 12.23.2025- Acknowledged by client. | 12.23.2025- Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is 60 points above minimum program requirement of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: $XXX, XXX months; XXX months required.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower only using XXX% of available revolving credit.<br>|
| 409033537 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Back $XXX, XXX months reserves, XXX months required<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds the minimum of XXX<br>CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Payment reduced by $XXX/month or XXX%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX months primary residence mtg reviewed exceeds the required XXX months<br>|
| 409033543 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is above the required XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX is below the maximum allowable of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves: $XXX or XXX months of PITIA. XXX months required.<br>|
| 409033545 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1. | 1-8-26 Client uploaded final HUD. | 1-8-26 XXX reviewed HUD and updated data. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, XXX months. No reserves are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Verified credit score XXX. Guideline minimum XXX.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been in current residence XXX years.<br>|
| 409033546 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide final HUD-1 | 1-7-25 Client uploaded final HUD. | 1-7-25 XXX reviewed and updated HUD information. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds the minimum of XX<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: XXX% revolving credit utilized<br>CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Payment reduced by $XXX/month or XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Reserves $XXX, PITI $XXX, XXX months reserves, XXX months required<br>|
| 409033546 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing documentation judgments on title were paid off. Title evidences a judgment with XXX XXX in the amount of $XXX(exception #9) and a judgment with XXX XXX for $XXX(exception #11). | 1-7-26 Client uploaded final title. | 1-7-26 XXX reviewed final title which reflects a clear title and no open exceptions for judgements. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds the minimum of XX<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: XXX% revolving credit utilized<br>CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Payment reduced by $XXX/month or XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Reserves $XXX, PITI $XXX, XXX months reserves, XXX months required<br>|
| 409033548 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | N/A | N/A<br> D | N/A | N/A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing third party valuation to support original appraised value. Transferred appraisals require a secondary valuation report: CDA with a value +/- XXX% of appraised value or an AVM with an acceptable FSD score and confidence score based on Vendor list. (sec 1.9.1.3.1) | 1-23-26 Client replied: Please see uploaded XXX Property Valuation Model | 1-26-26 XXX reviewed AVM which is exactly 90 days old on the note date and value is acceptable. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Verified credit score XXX. Guideline minimum XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, XXX months. No reserves are required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrowers have 86 months housing with no delinquencies. Guidelines require a XXX month review.<br>|
| 409033557 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Borrower has no late payments on consumer loans for XXX months, XXX months is requirement<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower is using XXX% of available credit lines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves= $XXX, XXX months. XXX months required.<br>|
| 409033560 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Credit | Assets | Waived<br> B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing documentation business funds transferred to personal account. Per Non-QHEM Matrix, Assets section states all business funds used must be transferred to the borrower's personal account. XXX deems non-material/non-fatal to lending decision as business is XXX% owned by borrower and compensating factors: credit score of XXX/XXX, XXX% LTV/XXX% maximum, and DTI of XXX%/XXX% Maximum. | 12.23.2025- Acknowledged by client. | 12.23.2025- Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score XXX exceeds the minimum of XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX% is below the maximum of XXX%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% is below the maximum of XXX%<br>|
| 409033560 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing documents used to clear the SSN alert on the Fraud Report. | 12-17-25 Client uploaded SSN verify. | 12-19-25 XXX reviewed SSN verify which is a match. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score XXX exceeds the minimum of XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX% is below the maximum of XXX%<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% is below the maximum of XXX%<br>|
| 409033565 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX months of 0x30 rental history per VOR in file.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Verified credit score XXX. Guideline minimum XXX.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX%. Guideline maximum XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, XXX months. XXXmonths reserves are required.<br>|
| 409033566 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, XXX months. XXX months reserves are required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has XXX months on-time mortgage payment history. Guidelines require a XXX month review.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been in current residence XXX years.<br>|
| 409033577 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Verified credit score XXX. Guideline minimum XXX.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has no outstanding revolving or installment debt.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, XXX months. No reserves are required<br>|
| 409033586 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> B<br> A | N/A | N/A<br> C<br> B | N/A | N/A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide a copy of the note to XXX for $XXX reflecting payments due to verify it is not a XXX loan. If loan is a XXX loan the subject loan must be considered a cash out refinance per guidelines (sec 1.4.1.2) which will cause an LTV exception. VOM in file indicates $0 payment. | 12-16-25 Client replied: If this was XXX loan the original balance would not be the same as the payoff amount, please reference payoff and VOM uploaded. Please clear12-18-25 Client uploaded note. | 12-16-25 XXX reviewed payoff and VOM which do not justify that the loan with XXX is not a XXX loan and XXX guidelines require if subject loan is paying off a XXX loan that it must be considered a cash out refinance (Sec 1.4.1.2). VOM indicates $XXX and # of late payments is not completed. Provide a copy of the note or an updated VOM to verify the loan is not a XXX loan. Exception remains. 12-19-25 XXX reviewed note which indicates no payments due until the end of the term XXX with a lump sum payment due of $XXX. Since no payments were made loan is considered a XXX loan and per XXX guidelines subject loan must be considered a cash out refinance - Added exception for loan parameters do not meet guidelines. This exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is above minimum program requirement of XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrowers have 0x30xXXX months mortgage payment history exceeding guideline requirement of 1x30xXXX.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower is using XXX% of available revolving credit.<br>|
| 409033586 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> B<br> A | N/A | N/A<br> C<br> B | N/A | N/A | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER4631 | Loan parameters do not meet guidelines | No | Subject loan closed as a rate term refinance that paid off a XXX and a XXX XXX loan. Guidelines require subject loan be considered a cash out. XXX deems non-material/non-fatal to lending decision as borrower received minimal cash back at closing and the compensating factors: Credit score of XXX/XXX minimum, minimal credit use at XXX% and mortgage history of XXX months/XXX required. | 12.23.2025- Acknowledged by client. | 12.23.2025- Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is above minimum program requirement of XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrowers have 0x30xXXX months mortgage payment history exceeding guideline requirement of 1x30xXXX.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower is using XXX% of available revolving credit.<br>|
| 409033587 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> A | N/A | N/A<br> C | N/A | N/A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing documentation for security deposit received. Lease executed after the loan application date and requires the security deposit documentation | 1-6-25 Client replied: please see the upl info from UW | 1-6-25 XXX reviewed docs and changed loan application date to XXX. Security deposit is not required based on evidence of application date being XXX Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is above the required XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX is below the maximum allowable of XXX<br>CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Borrower current PITI is $XXX; Subject PITI is $XXX. Monthly savings of $XXX<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years living at primary residence.<br>|
| 409033590 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | N/A | N/A<br> D | N/A | N/A | Credit | Application | Satisfied<br> D<br> A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing Fraud report for B2 XXX. Please provide Fraud report for co-borrower. | 1-7-26 Client uploaded fraud report. | 1-7-26 XXX reviewed fraud report. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of reserves in file.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is 16 points above minimum program requirement of XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrowers have 0x30xXXX months mortgage payment history exceeding guideline requirement of 1x30xXXX<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower are only using XXX% of available revolving credit.<br>|
| 409033594 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV is below the XXX% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, XXX months. XXX months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX FICO score is above the XXX min<br>|
| 409033607 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> A | N/A | N/A<br> C | N/A | N/A | Credit | Assets | Satisfied<br> C<br> A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | The bank statement for XXX XXX is dated XXX. Please provide a current bank statement to support this asset which is necessary to demonstrate adequate cash to close. | 1-20-26 Client replied: Attached XXX bank statement for XXX Bank #XXX reflecting sufficient funds to close. | 1-21-26 XXX reviewed statement and updated data. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, XXX months. XXX months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: B1 has XXX months on-time mortgage payment history. The guidelines require a XXX month review.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Verified FICO XXX. Guideline minimum XXX.<br>|
| 409033608 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, XXX months. XXX months reserves are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is above the required XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of XXX months exceeds the required XXX months.<br>|
| 409033614 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Credit/Mtg History | Waived<br> B | CRDCRMH183 | Credit report incomplete | No | Missing credit report per Non-Agency guidelines XXX: A domestic credit report should be pulled on all Foreign National Borrowers using XXX in place of a social security number. XXX deems non-material/non-fatal to lending decision due to compensating factors: XXX months Cash reserves/XXX required, XXX% LTV/XXX% maximum, High DSCR at XXX(Rents $XXX / Expenses $XXX) and $XXX monthly savings in mortgage payment. | 12-12-25 Client replied: XXX accepts B grade12.15.2025 - Acknowledged by client. | 12-12-25 Non-material exception remains. 12.15.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX% is below the maximum of XXX%<br>CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Payment reduced by $XXX/month or XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Reserves $XXX, XXX months reserves, XXX months required<br>CFCFS1750: High potential for increased earnings<br> - XXX Comments: DSCR: XXX (Rents $XXX/ Expenses $XXX)<br>|
| 409033614 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 12-12-25 Client uploaded final HUD. | 12-12-25 XXX reviewed and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX% is below the maximum of XXX%<br>CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Payment reduced by $XXX/month or XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Reserves $XXX, XXX months reserves, XXX months required<br>CFCFS1750: High potential for increased earnings<br> - XXX Comments: DSCR: XXX (Rents $XXX/ Expenses $XXX)<br>|
| 409033619 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Verified credit score XXX. Guideline minimum XXX.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is less than the guideline maximum of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, XXX months. No reserves are required.<br>|
| 409033621 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves= $XXX, XXX months. XXX months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is below the maximum allowable of XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of over XXX years exceeds the required XXX months on the subject property.<br>|
| 409033622 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Reserves $XXX, XXX months reserves, XXX months required<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX% is below the maximum of XXX%<br>CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Payment reduced by $XXX/month or XXX%<br>CFCFS1750: High potential for increased earnings<br> - XXX Comments: DSCR: XXX(Rents $XXX/ Expenses $XXX)<br>|
| 409033624 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV per review; XXX% LTV is maximum allowed per guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of reserves in file. XXX required.<br>CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Reduction of $XXX in monthly payment.<br>|
| 409033629 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Credit | Income/Employment | Waived<br> C<br> B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | CPA letter does not verify having completed or filed the borrower business tax returns as required by guidelines. | 2-6-2: Client uploaded credit exception to use CPA letter stating CPA reviewed the financials. 02.09.2026 - Acknowledged by client. | 2-6-26: XXX reviewed the exception and determined it remains as non material based on compensating factors, borrower is long term homeowner of XXX years, XXX years of current employment, cash reserves of $XXX, XXX months with none required, and the DTI is XXX% with maximum allowed of XXX%. 02.09.2026 - Non-material execption remains. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI below the XXX% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, XXX months. XXX months required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX years of mortgage history is above the required XXX.<br>|
| 409033644 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX months reviewed for primary residence mtg exceeds the required XXX months<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: XXX% revolving credit utilized<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds the minimum of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Reserves $XXX, XXX months reserves, XXX months required<br>|
| 409033649 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing final hud-1 dated XXX or after. HUD-1 in file has a disbursement date of XXX which is prior to transaction date of XXX | 12-16-25 Client uploaded HUD. | 12-16-25 XXX reviewed HUD and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Back $XXX, XXX months reserves, XXX months required<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score XXX exceeds the minimum of XXX<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: XXX% revolving credit utilized<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX months reviewed for subject mortgage exceeds the required XXX months<br>|
| 409033653 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | N/A | N/A<br> D | N/A | N/A | Credit | Credit/Mtg History | Satisfied<br> D<br> A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Verification of Mortgage for the subject property from XXX is not in the file. | 1-7-26 Client replied: Please see uploaded 10071-12-26 Client uploaded VOM. | 1-7-26 XXX reviewed 1007 which does not satisfy exception for missing verification of mortgage. Exception remains. 1-14-26 XXX reviewed VOM. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of reserves are above the required 3.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX FICO score is above the XXX min.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX years of mortgage history is above the required XXX.<br>|
| 409033656 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is above the required XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX is below the maximum allowable of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves: $XXX or XXX months of PITIA. XXX months required.<br>|
| 409033657 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Credit | Application | Satisfied<br> D<br> A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing third party fraud report. (Participant list provided only) | 12-15-25 XXX reviewed fraud report. Exception satisfied. | 12-15-25 . Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is above the required XXX<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has minimal use of credit with credit usage ratio of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves: $XXX or XXX months of PITIA. 3 months required.<br>|
| 409033661 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> B<br> A | N/A | N/A<br> B | N/A | N/A | Credit | LTV/CLTV | Waived<br> B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV of XXX% exceeds the guideline maximum of XXX% for rural properties. Exception to allow XXX% approved by XXX on XXX; supported with compensating factors XXX months reserves, credit score XXX/XXX, and experienced investor. | 12.15.2025 - Acknowledged by client. | 12.15.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Verified credit score XXX. Minimum score XXX.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower is using XXX% of the available revolving credit limit.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, XXX months. No reserves are required.<br>|
| 409033667 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Borrower current PITI is $XXX; Subject PITI is $XXX. Monthly savings of $XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is above the required XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX is below the maximum allowable of XXX<br>|
| 409033701 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is above the required XXX<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has minimal use of credit with credit usage ratio of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves: $XXX or XXX months of PITIA. XXX months required.<br>|
| 409033708 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial application was taken XXX, the initial LE was not issued until XXX. Greater than the required XXX days. Please provide a copy of the Missing Loan Estimated dated XXX. | 12.30.25-Client provided LE issued XXX, e-signed XXX. Satisfied. | 12.30.25- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years employed with XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV per review; XXX% LTV is maximum allowed per guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: XXX months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX months of 0x30 mortgage history per CBR.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying credit score per CBR.<br>|
| 409033709 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC3204 | Income Documentation Missing | No | Missing evidence of receipt of XXX month's rental income for subject property in the amount of $XXX. Required due to use of higher lease income than market rent per guidelines. | 12-23-25 Client updated bank statement. | 12-23-25 XXX reviewed bank statement with XXX payment from XXX for rent for $XXX. Lease name is reflected as XXX which appears to just be a typo. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Back $XXX, XXX months reserves, XXX months required<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score XXX exceeds the minimum of XXX<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX yrs residing in current residence<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: XXX months reviewed for subject mtg, exceeds required XXX months<br>|
| 409033721 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is above the required XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves= $XXX, XXX months. XXX months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of XXX months exceeds the required XXX months.<br>|
| 409033727 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has minimal use of credit with credit usage ratio of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is above the required XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves: $XXX or XXX months of PITIA. XXX months required.<br>|
| 409033728 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Verified credit score XXX. Guideline minimum XXX<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been in current residence XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, XXX months. XXX months reserves are required.<br>|
| 409033736 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX FICO score is above the XXX min.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV is below the XXX% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of reserves are above the required XXX<br>|
| 409033739 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX mid-score per CBR.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: XXX% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months piti reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: XXX months of 0x30 consumer credit history per CBR.<br>|
| 409033746 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> A | A | A<br> C | A | A | Credit | Credit/Mtg History | Satisfied<br> C<br> A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Need Proof that on Subject Title Schedule B, part II exceptions #9 Loan with XXX Bank Company for $XXX dated XXX has been released. | 1-15-26 Client uploaded final title. | 1-16-26 XXX reviewed loan policy which does not reflect XXX Bank. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months of reserves exceeds guideline requirements of XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median Fico Score of XXX > 72 required guideline requirements of XXX<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at current residence for the past XXX years and XXX months.<br>|
| 409033753 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX is 58 points above minimum program requirement of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX%; guidelines allow XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrowers have 0x30xXXX months mortgage payment history exceeding guideline requirement of 1x30xXXX.<br>|

---

------

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **Spire 2026-2** |
| **Start - End Dates:** | **5/23/2025 - 1/29/2026** |
| **Deal Loan Count:** | **105** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *105* |
| ***Loans with Conditions:*** | *56* |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 409013164 | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | Yes |
| 409013456 | XXXXXX | XXXXXX<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Not Applicable |
| 409013920 | XXXXXX | XXXXXX<br> C<br> A | N/A | N/A<br> C | N/A | N/A | Not Applicable |
| 409015444 | XXXXXX | XXXXXX<br> C<br> B<br> A | A | A<br> C<br> B | A | A | No |
| 409016588 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409016620 | XXXXXX | XXXXXX<br> D<br> B<br> A | A | A<br> D<br> B | A | A | No |
| 409016997 | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | No |
| 409017463 | XXXXXX | XXXXXX<br> C<br> B<br> A | A | A<br> C<br> B | A | A | No |
| 409017556 | XXXXXX | XXXXXX<br> D<br> A | N/A | N/A<br> D | N/A | N/A | Not Applicable |
| 409018399 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409018852 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409018895 | XXXXXX | XXXXXX<br> B | N/A | N/A<br> B | N/A | N/A | Yes |
| 409019090 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 409019177 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409019181 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | No |
| 409019326 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | No |
| 409019341 | XXXXXX | XXXXXX<br> C<br> A | N/A | N/A<br> C | N/A | N/A | Not Applicable |
| 409019363 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | No |
| 409019367 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | Not Applicable |
| 409019571 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 409020990 | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | Yes |
| 409021004 | XXXXXX | XXXXXX<br> D<br> A | C | A<br> D | C | A | No |
| 409021316 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409021376 | XXXXXX | XXXXXX<br> D<br> A | N/A | N/A<br> D | N/A | N/A | No |
| 409021428 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | Not Applicable |
| 409021431 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | No |
| 409021472 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409021473 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | Not Applicable |
| 409021492 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409021498 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | No |
| 409021528 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | No |
| 409021538 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | No |
| 409021551 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409021827 | XXXXXX | XXXXXX<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Yes |
| 409022321 | XXXXXX | XXXXXX<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Yes |
| 409022409 | XXXXXX | XXXXXX<br> D<br> A | B | A<br> D | B | A | Not Applicable |
| 409023659 | XXXXXX | XXXXXX<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Not Applicable |
| 409023680 | XXXXXX | XXXXXX<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Yes |
| 409023681 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409023773 | XXXXXX | XXXXXX<br> D<br> B<br> A | C | A<br> D<br> B | C | A | Yes |
| 409023776 | XXXXXX | XXXXXX<br> C<br> A | N/A | N/A<br> C | N/A | N/A | Not Applicable |
| 409024083 | XXXXXX | XXXXXX<br> C<br> B | C | B<br> C | C | B | Not Applicable |
| 409024198 | XXXXXX | XXXXXX<br> D<br> B<br> C | D | B<br> D<br> C | D | B | Yes |
| 409024306 | XXXXXX | XXXXXX<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Not Applicable |
| 409024311 | XXXXXX | XXXXXX<br> C<br> B<br> A | C | A<br> C<br> B | C | A | Not Applicable |
| 409024330 | XXXXXX | XXXXXX<br> C<br> B<br> A | C | A<br> C<br> B | C | A | No |
| 409024336 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409024340 | XXXXXX | XXXXXX<br> D<br> B<br> C<br> A | A | A<br> D<br> B<br> C | A | A | Not Applicable |
| 409024875 | XXXXXX | XXXXXX<br> B<br> A | N/A | N/A<br> B | N/A | N/A | Not Applicable |
| 409024894 | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | No |
| 409024896 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | No |
| 409024941 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409024994 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409025013 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409025019 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | Not Applicable |
| 409025022 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409025049 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409025067 | XXXXXX | XXXXXX<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Not Applicable |
| 409025574 | XXXXXX | XXXXXX<br> D<br> B<br> A | A | A<br> D<br> B | A | A | No |
| 409025802 | XXXXXX | XXXXXX<br> D<br> B<br> A | D | B<br> D<br> A | D | B | No |
| 409025998 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409026294 | XXXXXX | XXXXXX<br> C<br> B<br> A | A | A<br> C<br> B | A | A | No |
| 409031799 | XXXXXX | XXXXXX<br> D<br> A | C | A<br> D | C | A | Not Applicable |
| 409033525 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | No |
| 409033530 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | Not Applicable |
| 409033532 | XXXXXX | XXXXXX<br> B<br> A | N/A | N/A<br> B | N/A | N/A | No |
| 409033537 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | Not Applicable |
| 409033543 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409033545 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 409033546 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Yes |
| 409033548 | XXXXXX | XXXXXX<br> D<br> A | N/A | N/A<br> D | N/A | N/A | Not Applicable |
| 409033557 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | Not Applicable |
| 409033560 | XXXXXX | XXXXXX<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Not Applicable |
| 409033565 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409033566 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409033577 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | Not Applicable |
| 409033586 | XXXXXX | XXXXXX<br> C<br> B<br> A | N/A | N/A<br> C<br> B | N/A | N/A | No |
| 409033587 | XXXXXX | XXXXXX<br> C<br> A | N/A | N/A<br> C | N/A | N/A | Not Applicable |
| 409033590 | XXXXXX | XXXXXX<br> D<br> A | N/A | N/A<br> D | N/A | N/A | Not Applicable |
| 409033594 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | Not Applicable |
| 409033607 | XXXXXX | XXXXXX<br> C<br> A | N/A | N/A<br> C | N/A | N/A | Not Applicable |
| 409033608 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | Not Applicable |
| 409033614 | XXXXXX | XXXXXX<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Yes |
| 409033619 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | Not Applicable |
| 409033621 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409033622 | XXXXXX | XXXXXX<br> A | A | A | A | A | Yes |
| 409033624 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409033629 | XXXXXX | XXXXXX<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Not Applicable |
| 409033644 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409033649 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 409033653 | XXXXXX | XXXXXX<br> D<br> A | N/A | N/A<br> D | N/A | N/A | Not Applicable |
| 409033656 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | Not Applicable |
| 409033657 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | No |
| 409033661 | XXXXXX | XXXXXX<br> B<br> A | N/A | N/A<br> B | N/A | N/A | Not Applicable |
| 409033667 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409033701 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409033708 | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | Not Applicable |
| 409033709 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 409033721 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409033727 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409033728 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | Not Applicable |
| 409033736 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | Not Applicable |
| 409033739 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409033746 | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | Not Applicable |
| 409033753 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | Not Applicable |

---

## Exhibit 99.4

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | Spire 2026-2 |
| **Start - End Dates:** | 5/23/2025 - 1/29/2026 |
| **Deal Loan Count:** | 105 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *105* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 409021492 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409024941 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409025013 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409025022 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409025049 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409033525 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409033530 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409033530 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409033548 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409033560 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409033661 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409033701 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409033721 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409033736 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409033753 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409016588 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409017463 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409017463 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409024306 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409024311 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409024311 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409025998 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |

---

## Exhibit 99.5

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **Spire 2026-2** |
| **Start - End Dates:** | **5/23/2025 - 1/29/2026** |
| **Deal Loan Count:** | **105** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *105* |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 409013164 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1860 | XXXXX | 7.3126 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013456 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.0779 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX |
| 409013920 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.625 | Employed | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | XXXXX |
| 409015444 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2290 | XXXXX | 7.4104 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409016588 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.7501 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409016620 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.8751 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX |
| 409016997 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.75 | Unemployed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | XXXXX |
| 409017463 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX |
| 409017556 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | XXXXX |
| 409018399 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX |
| 409018852 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2450 | XXXXX | 7.033 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409018895 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409019090 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.2499 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX |
| 409019177 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 14851.25 | XXXXX | 8.2272 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409019181 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 6595 | XXXXX | 7.7909 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409019326 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409019341 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 8.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409019363 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.2499 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409019367 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.2499 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409019571 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.786 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409020990 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.5 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXX |
| 409021004 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 27953.99 | XXXXX | 7.3869 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409021316 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 9.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX |
| 409021376 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409021428 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409021431 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 11655 | XXXXX | 8.6789 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409021472 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX |
| 409021473 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409021492 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 17009.4 | XXXXX | 7.9718 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409021498 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409021528 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409021538 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | XXXXX |
| 409021551 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 17595 | XXXXX | 7.385 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409021827 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409022321 | (No Data) | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.625 | Employed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409022409 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1625.25 | XXXXX | 7.5254 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409023659 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 8000 | XXXXX | 6.6772 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409023680 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.7501 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX |
| 409023681 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX |
| 409023773 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 10035 | XXXXX | 6.9346 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409023776 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7 | Employed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409024083 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1513 | XXXXX | 7.0384 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409024198 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX |
| 409024306 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.625 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409024311 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 31355.1 | XXXXX | 6.3036 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409024330 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 13752.5 | XXXXX | 7.9166 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | XXXXX |
| 409024336 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 25279.62 | XXXXX | 8.9711 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409024340 | QM: Rebuttable Presumption (APOR) | No | XXXXX | XXXXX | No | Yes | 12285.31 | XXXXX | 8.6003 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409024875 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409024894 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX |
| 409024896 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409024941 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX |
| 409024994 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX |
| 409025013 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX |
| 409025019 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409025022 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 10900.89 | XXXXX | 7.938 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409025049 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX |
| 409025067 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.2499 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX |
| 409025574 | QM: Rebuttable Presumption (APOR) | No | XXXXX | XXXXX | No | Yes | 4536 | XXXXX | 8.3641 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409025802 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 10080 | XXXXX | 8.3359 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409025998 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 1195 | XXXXX | 9.1033 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026294 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX |
| 409031799 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 1823.65 | XXXXX | 7.4272 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033525 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | XXXXX |
| 409033530 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 8.0001 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409033532 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409033537 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409033543 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX |
| 409033545 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX |
| 409033546 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX |
| 409033548 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409033557 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409033560 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 22414.68 | XXXXX | 6.7958 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409033565 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX |
| 409033566 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX |
| 409033577 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 8.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409033586 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409033587 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409033590 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409033594 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409033607 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409033608 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409033614 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.375 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | XXXXX |
| 409033619 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409033621 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.75 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | XXXXX |
| 409033622 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.375 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | XXXXX |
| 409033624 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.375 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | XXXXX |
| 409033629 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 16466.88 | XXXXX | 7.4986 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033644 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 16025.4 | XXXXX | 7.7868 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033649 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX |
| 409033653 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409033656 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409033657 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX |
| 409033661 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409033667 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409033701 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 8 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX |
| 409033708 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 17345 | XXXXX | 6.7017 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033709 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX |
| 409033721 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXX |
| 409033727 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXX |
| 409033728 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409033736 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX |
| 409033739 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX |
| 409033746 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX |
| 409033753 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Unemployed | Unemployed | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX |

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## Exhibit 99.6

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | Spire 2026-2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | 5/23/2025 - 1/29/2026 | 5/23/2025 - 1/29/2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | 105 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuations Summary** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans In Report:* | *105* |  |  |  | **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** |
| 409013164 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409013456 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409013920 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409015444 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409016588 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409016620 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016997 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | Other |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | (No Data) |
| 409017463 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409017556 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409018399 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409018852 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409018895 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409019090 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019177 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409019181 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409019326 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019341 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409019363 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019367 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019571 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409020990 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409021004 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021316 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021376 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021428 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409021431 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021472 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409021473 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409021492 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409021498 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021528 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021538 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409021551 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409021827 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409022321 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409022409 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409023659 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409023680 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409023681 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409023773 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409023776 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409024083 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024198 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409024306 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409024311 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409024330 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409024336 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409024340 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409024875 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409024894 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409024896 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409024941 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409024994 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025013 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409025019 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025022 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409025049 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025067 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025574 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025802 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025998 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409026294 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409031799 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033525 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409033530 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033532 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409033537 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409033543 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409033545 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409033546 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409033548 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033557 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409033560 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033565 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409033566 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033577 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033586 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033587 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033590 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033594 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033607 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409033608 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409033614 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033619 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033621 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033622 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033624 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033629 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409033644 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409033649 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409033653 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033656 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409033657 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409033661 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033667 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409033701 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409033708 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409033709 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409033721 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033727 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409033728 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409033736 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033739 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |
| 409033746 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 409033753 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 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% | XXXXX |

---

*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*<br>

## Exhibit 99.7

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| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **Spire 2026-2** |
| **Start - End Dates:** | **5/23/2025 - 1/29/2026** |
| **Deal Loan Count:** | **105** |
| **Waived Conditions Summary** | **Waived Conditions Summary** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Legal Documents | CRDLGL984 | Legal Documents Are Executed by an Entity or Non- Natural Person | 1 |
| Credit | Terms/Guidelines | CRDTER109 | Cash Out Amount Exceeds Guidelines | 1 |
| Credit | Terms/Guidelines | CRDTER3122 | Loan documents do not meet guideline requirements | 3 |
| Credit | Terms/Guidelines | CRDTER4631 | Loan parameters do not meet guidelines | 8 |
| Credit | Credit/Mtg History | CRDCRMH104 | Credit score below guidelines | 1 |
| Credit | Credit/Mtg History | CRDCRMH148 | Credit report stale dated at closing | 1 |
| Credit | Credit/Mtg History | CRDCRMH183 | Credit report incomplete | 1 |
| Credit | Credit/Mtg History | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | 2 |
| Credit | Credit/Mtg History | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | 1 |
| Credit | DTI | CRDDTI105 | Debt Ratio Exception xxx% or Less | 1 |
| Credit | DTI | CRDDTI134 | Debt Ratio Exception =>xxx% | 1 |
| Credit | LTV/CLTV | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least xxx%, but less than xxx% | 3 |
| Credit | LTV/CLTV | CRDLTV3028 | LTV Exceeds Guideline Requirement by xxx% or more | 1 |
| Credit | LTV/CLTV | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than xxx% | 2 |
| Credit | Income/Employment | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | 1 |
| Credit | Income/Employment | CRDINC3204 | Income Documentation Missing | 1 |
| Credit | Income/Employment | CRDINC888 | Income Amount is Unsupported by Documentation in File | 1 |
| Credit | Insurance | CRDINSR3028 | Flood Certificate has incorrect or incomplete data | 1 |
| Credit | Application | CRDAPP131 | Occupancy status not supported by file documentation | 1 |
| Credit | Application | CRDAPP2412 | Potential straw-buyer | 1 |
| Credit | Assets | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | 3 |
| Credit | Assets | CRDAST2670 | Asset documentation is insufficient per guideline requirements | 3 |
| Credit | Assets | CRDAST3036 | Assets reflect unsourced deposits | 1 |
| Credit | Assets | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | 2 |
| Property Valuations | Property | PRVAPROP177 | Property Issues Indicated | 7 |
| Property Valuations | Appraisal | PRVAAPPR3116 | Missing updated valuation | 1 |
| Compliance | Ability to Repay/Qualified Mortgage | CMPATRQM2970 | TILA - Loan is a non-QM loan with documented ATR UW factors; points and fees exceed client's xxx% guideline. | 1 |
| Compliance | Compliance Manual | CMPMAN2954 | Missing Initial Escrow | 1 |
| **Total** |  |  |  | **52** |

---

<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>

## Exhibit 99.8

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#### EXECUTIVE SUMMARY

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

AMC Diligence, LLC ("AMC") performed for Aspire Sponsor, LLC (the "Client") certain due diligence services (the "Review") described below on residential mortgage loans acquired by Redwood Residential Acquisition Corporation via reliance letter. The Review was conducted in October 2025 through January 2026 on mortgage loans with origination dates in October 2025 through December 2025 via files imaged and provided by the original client for review.

(2) Sample size of the assets reviewed.

During the course of the securitization evaluation process, the Client may have removed loans that were reviewed by AMC from the securitization for reasons that were not disclosed to AMC. The final population of the Review covered 11 mortgage loans totaling an aggregate original principal balance of approximately $5.141 million.

(3) Determination of the sample size and computation.

AMC's Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), identified in Item 3 of the ABS Due Diligence-15E. AMC does not know the size of the overall securitization population and other third-party review ("TPR") firms may have reviewed loans within the overall securitization population. As such, AMC cannot state the overall sample size.

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

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

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| | | |
|:---|:---|:---|
| # of Units | Maturity Date | Prepayment Penalty Period (months) |
| Amortization Term | Note Date | Property Type |
| Amortization Type | Original Interest Rate | Representative FICO |
| Appraised Value | Original Loan Amount | State |
| Borrower Last Name | Original LTV | Street |
| City | Original P&I | Subject Debt Service Coverage Ratio |
| First Payment Date | Prepayment Penalty | Zip |

---

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

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

#### CREDIT REVIEW (6 Mortgage Loans)
AMC reviewed asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to AMC. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the mortgage loan file was also performed.

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

**Credit Report:** AMC's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to the guidelines. In order to make this determination,

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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 the guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, (vi) IRS tax transcripts, and (vii) Bank Statements.

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

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

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

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

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

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

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

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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.

#### LEASES REVIEW (5 Mortgage Loans)

#### DOCUMENT REVIEW
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.

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

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

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

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

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

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

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

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

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(iv) check for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

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

**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.

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

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

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

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

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

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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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<br> i) points and fees threshold test;

<br> ii) APR threshold test;

<br> iii) prepayment penalty threshold test; and

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

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

<br> i) APR threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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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:

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

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

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

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

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

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

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

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

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

(X) Recording Review

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

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

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(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):

<br> ◾ Initial application (1003);

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

<br> ◾ Credit report;

<br> ◾ Income and employment documentation;

<br> ◾ 4506T;

<br> ◾ Asset documentation;

<br> ◾ Sales contract;

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

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

<br> ◾ Appraisal;

<br> ◾ Title/Preliminary Title;

<br> ◾ Final 1003;

<br> ◾ Changed circumstance documentation;

<br> ◾ Right of Rescission Disclosure;

<br> ◾ Mortgage/Deed of Trust;

<br> ◾ Note;

<br> ◾ Mortgage Insurance;

<br> ◾ Tangible Net Benefit Disclosure;

<br> ◾ Subordination Agreement;

<br> ◾ FACTA disclosures;

<br> ◾ Notice of Special Flood Hazards;

<br> ◾ Initial and final GFE's;

<br> ◾ HUD from sale of previous residence;

<br> ◾ Final HUD-1;

<br> ◾ Initial TIL;

<br> ◾ Final TIL;

<br> ◾ Loan Estimates;

<br> ◾ Closing Disclosures; and

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

(8) Other: review and methodology.

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

(9) Disclaimer.

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

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

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

#### SUMMARY OF FINDINGS AND CONCLUSIONS
The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the NRSROs listed on the Form ABS Due Diligence-15E.

#### OVERALL RESULTS SUMMARY
After giving consideration to the grading criteria of the relevant NRSROs, 100.00% of the loans received a grade "B" or higher.

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|:---|:---|:---|:---|:---|:---|
| **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** |
| **Final Loan Grade** | **Credit** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 10 | 10 | 6 | 11 | 10 |
| B | 1 | 1 | 0 | 0 | 1 |
| C | 0 | 0 | 0 | 0 | 0 |
| D | 0 | 0 | 0 | 0 | 0 |
| **Total** | **11** | **11** | **6** | **11** | **11** |
| **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** |
| **Final Loan Grade** | **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | A | 90.91% | 100.00% | 100.00% | 90.91% |
| B | B | 9.09% | 0.00% | 0.00% | 9.09% |

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| C | 0.00% |
| D | 0.00% |
| **Total** | **100.00%** |

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

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| **Exception Type** | **Final Exception Grade** | **Exception Category** | **Total** |
| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **0** |
| Credit | B | Guideline | 1 |
| Credit | B | ***Total Credit Grade (B) Exceptions:*** | ***1*** |
| **Total Credit Exceptions:** | **Total Credit Exceptions:** | **Total Credit Exceptions:** | **1** |
| **Total Property Exceptions:** | **Total Property Exceptions:** | **Total Property Exceptions:** | **0** |
| **Grand Total:** | **Grand Total:** | **Grand Total:** | **1** |

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#### TAPE INTEGRITY REVIEW RESULTS SUMMARY
Of the 11 mortgage loans reviewed, there were 8 different tape discrepancies across 4 data fields (some mortgage loans had more than one data delta). A blank or zero value on the data tape when an actual value was captured by AMC was treated as a data variance. The largest variances were found on Prepayment Penalty Period (months).

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| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| # of Units | 0 | 11 | 0.00% | 11 |
| Amortization Term | 0 | 11 | 0.00% | 11 |
| Amortization Type | 0 | 11 | 0.00% | 11 |
| Appraised Value | 0 | 11 | 0.00% | 11 |
| Borrower Last Name | 2 | 11 | 18.18% | 11 |
| City | 0 | 11 | 0.00% | 11 |
| First Payment Date | 0 | 11 | 0.00% | 11 |
| Maturity Date | 0 | 11 | 0.00% | 11 |
| Note Date | 0 | 11 | 0.00% | 11 |
| Original Interest Rate | 0 | 11 | 0.00% | 11 |
| Original Loan Amount | 0 | 11 | 0.00% | 11 |
| Original LTV | 0 | 11 | 0.00% | 11 |
| Original P&I | 0 | 11 | 0.00% | 11 |
| Prepayment Penalty | 0 | 11 | 0.00% | 11 |
| Prepayment Penalty Period (months) | 3 | 5 | 60.00% | 11 |
| Property Type | 1 | 11 | 9.09% | 11 |
| Representative FICO | 2 | 11 | 18.18% | 11 |
| State | 0 | 11 | 0.00% | 11 |
| Street | 0 | 11 | 0.00% | 11 |
| Subject Debt Service Coverage Ratio | 0 | 5 | 0.00% | 11 |

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| Zip | 0 | 11 | 0.00% | 11 |
| **Total** | **8** | **219** | **3.65%** | **11** |

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

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| Amortization Type | Loan Count | % of Loans | Original Balance | % of Balance |
| Fixed | 11 | 100.00% | $5141020.00 | 100.00% |
| **Total** | **11** | **100.00%** | **$5141020.00** | **100.00%** |
| **Lien Position** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 1 | 11 | 100.00% | $5141020.00 | 100.00% |
| **Total** | **11** | **100.00%** | **$5141020.00** | **100.00%** |
| **Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Cash Out: Other/Multi-purpose/Unknown Purpose | 2 | 18.18% | $1051250.00 | 20.45% |
| Other-than-first-time Home Purchase | 8 | 72.73% | $3856200.00 | 75.01% |
| Rate/Term Refinance - Borrower Initiated | 1 | 9.09% | $233570.00 | 4.54% |
| **Total** | **11** | **100.00%** | **$5141020.00** | **100.00%** |
| **Original Term** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 241-360 Months | 11 | 100.00% | $5141020.00 | 100.00% |
| **Total** | **11** | **100.00%** | **$5141020.00** | **100.00%** |
| **Property Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Single Family Detached | 6 | 54.55% | $3125570.00 | 60.80% |
| Condo, Low Rise | 1 | 9.09% | $164700.00 | 3.20% |
| PUD | 2 | 18.18% | $407000.00 | 7.92% |
| 2 Family | 2 | 18.18% | $1443750.00 | 28.08% |
| **Total** | **11** | **100.00%** | **$5141020.00** | **100.00%** |
| **Occupancy** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Primary | 6 | 54.55% | $2738270.00 | 53.26% |
| Investment | 5 | 45.45% | $2402750.00 | 46.74% |
| **Total** | **11** | **100.00%** | **$5141020.00** | **100.00%** |
| **Origination Channel** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Broker | 9 | 81.82% | $4258520.00 | 82.83% |
| Retail | 2 | 18.18% | $882500.00 | 17.17% |
| **Total** | **11** | **100.00%** | **$5141020.00** | **100.00%** |

---

14 \| Page

------

![](amc_logo.gif)

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Review Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Credit/Compliance - TRID | 6 | 54.55% | $2738270.00 | 53.26% |
| Leases | 5 | 45.45% | $2402750.00 | 46.74% |
| **Total** | **11** | **100.00%** | **$5141020.00** | **100.00%** |

---

15 \| Page

## Exhibit 99.9

![](situs_logo.jpg)

---

| |
|:---|
| **Rating Agency Grades** |
| **Run Date - 4/20/2026 5:50:50 PM** |

---

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **LOAN INFORMATION**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **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 COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE 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** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** | **Morningstar** |
| XXXX | 409024970 | XXXX |  |  | C | A | A | C | B |  | A | A | A | A | A | A | B |  |
| XXXX | 409024923 | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| XXXX | 409025042 | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| XXXX | 409025044 | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| XXXX | 409024966 | XXXX |  |  | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXXX | 409033666 | XXXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXXX | 409033762 | XXXX |  |  | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| XXXX | 409033699 | XXXX |  |  | D |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXXX | 409033598 | XXXX |  |  | A | C | A | C | A |  | A | A | A | A | A | A | A |  |
| XXXX | 409033606 | XXXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| XXXX | 409033737 | XXXX |  |  | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |

---

## Exhibit 99.10

![](situs_logo.jpg)

---

| |
|:---|
| **Exception Grades** |
| **Run Date - 4/20/2026 5:50:50 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** |
| XXXX | 409024970 | XXXX |  | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for off sheet pricing. | The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Representative FICO: [redacted]<br>Guideline Requirement: [redacted] | Originator, [redacted]<br>Originator, [redacted] | Reviewer Comment (2025-10-17): 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> Client elects to waive.<br>Buyer Comment (2025-10-16): Uploaded amended exception adding compensation factors..<br>Buyer Comment (2025-10-16): Approved Exception was included with loan file.. need clarification as to what is needed for B Grade.. |  |  | XX/XX/XXXX | 2<br> C<br> B |  | XX | Primary | Purchase | <br> C<br> B<br> A | Non QM | Non QM | No |
| XXXX | 409024923 | XXXX |  | XXXX |  | Credit | Business Purpose | Guideline Issue | Business Purpose | Unable to determine # of Projects or Value of Projects. Please provide the necessary documentation. |  | Missing acquisition dates for the REOs listed on the credit application to confirm at least 1 year of experience. |  |  |  | Reviewer Comment (2025-10-29): Exception cleared, experience not required.<br>Reviewer Comment (2025-10-29): Re-opened, waive by the client an error.<br>Buyer Comment (2025-10-27): This loan is a Foreign National NONI- [redacted] year experience is not required on this program- | XX/XX/XXXX |  |  | 1<br> C<br> A |  | XX | Investment | Purchase | <br> C<br> A |  | N/A | No |
| XXXX | 409025042 | XXXX |  | XXXX |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | File is missing copy of final HUD-1 for the subject purchase transaction. |  |  |  | Reviewer Comment (2026-01-23): Updated HUD provided.<br>Buyer Comment (2026-01-20): Final CD and encompass show borrower bringing in $[redacted], not $[redacted]. Uploaded snips, please clear<br>Reviewer Comment (2026-01-15): HUD-1 provided; documented assets are short of required assets. Documented qualifying Assets were $[redacted] and required assets were $[redacted].<br>Buyer Comment (2026-01-14): uploaded fss<br>Buyer Comment (2026-01-11): uploaded fss | XX/XX/XXXX |  |  | 1<br> D<br> A |  | XX | Investment | Purchase | <br> D<br> A |  | N/A | No |
| XXXX | 409025044 | XXXX |  | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | HUD-1 provided; documented assets are short of required assets. Documented qualifying Assets were $[redacted] and required assets were $[redacted]. |  |  |  | Reviewer Comment (2026-01-23): Update HUD provided<br>Buyer Comment (2026-01-20): Final CD and encompass show borrower bringing in $[redacted], not $[redacted]. Uploaded snips, please clear | XX/XX/XXXX |  |  | 1<br> A |  | XX | Investment | Purchase | <br> D<br> A |  | N/A | No |
| XXXX | 409024966 | XXXX |  | XXXX |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan (2013): Mandatory escrow account not established on 1st lien mortgage loan. | Mandatory escrow account not established on 1st lien mortgage loan. |  |  |  | Reviewer Comment (2026-01-15): Added in the extended rate lock with rate decrease<br>Buyer Comment (2026-01-12): Mavent (included with credit file) shows HPML is passing, escrow account is not needed.. | XX/XX/XXXX |  |  | 1<br> C<br> A |  | XX | Primary | Refinance - Rate/Term | If escrow was established before consummation for one impound item but not the other (e.g. taxes but not insurance), cure available by escrowing item that was not previously included. Proof of new escrow setup required.<br> If no escrow account was established at or before consummation, no cure available.<br> C<br> A | Non QM | Non QM | No |
| XXXX | 409033666 | XXXX |  | XXXX |  | 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 (2026-01-15): Added in the extended rate lock with rate decrease<br>Buyer Comment (2026-01-12): We do not agree with finding. The APR on the Final CD shows [redacted] %, Mavent (included with credit file) shows passing HPML with APR of [redacted]%.<br> Please review and advise.. | XX/XX/XXXX |  |  | 1<br> C<br> A |  | XX | Primary | Refinance - Rate/Term | <br> C<br> A | Non QM | Non QM | No |

---

## Exhibit 99.11

![](situs_logo.jpg)

---

| |
|:---|
| **Valuation Report** |
| **Run Date - 4/20/2026 5:50:50 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** |
| XXXX | 409024970 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| XXXX | 409024923 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | 409025042 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 409025044 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 409024966 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 409033666 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 409033762 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 409033699 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | 409033598 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.90 |
| XXXX | 409033606 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | 409033737 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |

---

## Exhibit 99.12

![](situs_logo.jpg)

---

| |
|:---|
| **Supplemental Data** |
| **Run Date - 4/20/2026 5:50:50 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 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** | **Amortization Term Less IO** |
| xxxx | 409024970 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | Yes | xxxx | xxxx | xxxx |  | xxxx |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Borrower - \| 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> [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]; 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]; Leave and Earnings Statement (LES) - 2025<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]; 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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx | xxxx |  | xxxx | xxxx | 999.0 |  |  |  | N/A | No | xxxx | 1 | 2 | 1 | 0 | 3 | 1 |  |  | xxxx | No |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | No | 8 | 32 | 31 |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| xxxx | 409024923 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxxx | xxxx | xxxx | xxxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 |  |  |  | Yes | No | xxxx | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | xxxx | No |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| xxxx | 409025042 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxxx | xxxx | xxxx | xxxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| 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: 50.00% \| 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: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 |  |  |  | N/A | No | xxxx | 0 |  | 0 | 0 | 3 | 0 |  | 12 | xxxx | No |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| xxxx | 409025044 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxxx | xxxx | xxxx | xxxx |  | Borrower Prepared | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Borrower-prepared P&L - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Borrower-prepared P&L - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 |  |  |  | N/A | No | xxxx | 0 |  | 0 | 0 | 3 | 0 |  | 12 | xxxx | No |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  | Yes | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| xxxx | 409024966 | xxxx |  | xxxx |  |  |  | No | No |  |  |  |  | xxxx | xxxx | xxxx | No | No |  |  |  |  | xxxx |  |  | Foreign National | Foreign National |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx |  |  |  | xxxx | 1.0 |  |  |  | N/A | No | xxxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | xxxx | No | xxxx | xxxx |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  |  | Yes |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| xxxx | 409033666 | xxxx |  | xxxx |  |  |  | No | No |  |  |  |  | xxxx | xxxx | xxxx | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx |  |  |  | xxxx |  |  |  |  | N/A | No | xxxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | xxxx | No | xxxx | xxxx |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  |  | Yes |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| xxxx | 409033762 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 |  |  |  | N/A | No | xxxx | 0 |  | 0 | 0 | 3 | 0 |  |  | xxxx | No |  |  |  |  | Other |  |  |  |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  | Yes | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| xxxx | 409033699 | xxxx |  | xxxx |  |  |  | No | No |  |  |  |  | xxxx | xxxx | xxxx | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx |  |  |  | xxxx | 1.5 |  |  |  | N/A | No | xxxx | 0 |  | 0 | 0 | 0 | 0 |  |  | xxxx | No | xxxx | xxxx |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  |  | Yes |  | xxxx | xxxx | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| xxxx | 409033598 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; 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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx | xxxx |  | xxxx | xxxx | 3.9 |  |  |  | Yes | No | xxxx | 0 |  | 0 | 0 | 3 | 0 |  |  | xxxx | No |  |  |  |  |  |  |  |  |  | xxxx | xxxx |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| xxxx | 409033606 | xxxx |  | xxxx |  |  |  | No | No |  |  |  |  | xxxx | xxxx | xxxx | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx |  |  |  | xxxx |  |  |  |  | N/A | No | xxxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | xxxx | No | xxxx | xxxx |  |  |  |  |  |  | 240 | xxxx |  |  | 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 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | xxxx |  |  | Yes |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 |
| xxxx | 409033737 | xxxx |  | xxxx |  |  |  | No | No |  |  |  |  | xxxx | xxxx | xxxx | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx |  |  |  | xxxx | 1.4 |  |  |  | N/A | No | xxxx | 0 |  | 0 | 0 | 0 | 0 |  |  | xxxx | No | xxxx | xxxx |  |  |  |  |  |  | 240 | xxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | xxxx |  |  | Yes |  | xxxx | xxxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 |

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## Exhibit 99.13

![](situs_logo.jpg)

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| |
|:---|
| **ASF Addendum - Business Purpose** |
| **Run Date - 4/20/2026 5:50:50 PM** |

---

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Rental Purpose** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DTI Calculation** | **Calculated Monthly Debt** | **Property DTI** | **Investor DTI** | **Inverse DSCR** | **Net Operating Income** | **Total Debt Service** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Lease in Place Flag Unit 1** | **Lease Start Date Unit 1** | **Lease End Date Unit 1** | **Original Lease Term Unit 1** | **Rental Purpose Unit 1** | **Actual In Place Rent Unit 1** | **Third Party Market Rent Estimate Unit 1** | **Lease in Place Flag Unit 2** | **Lease Start Date Unit 2** | **Lease End Date Unit 2** | **Original Lease Term Unit 2** | **Rental Purpose Unit 2** | **Actual In Place Rent Unit 2** | **Third Party Market Rent Estimate Unit 2** | **Lease in Place Flag Unit 3** | **Lease Start Date Unit 3** | **Lease End Date Unit 3** | **Original Lease Term Unit 3** | **Rental Purpose Unit 3** | **Actual In Place Rent Unit 3** | **Third Party Market Rent Estimate Unit 3** | **Lease in Place Flag Unit 4** | **Lease Start Date Unit 4** | **Lease End Date Unit 4** | **Original Lease Term Unit 4** | **Rental Purpose Unit 4** | **Actual In Place Rent Unit 4** | **Third Party Market Rent Estimate Unit 4** | **Lease in Place Flag Unit 5** | **Lease Start Date Unit 5** | **Lease End Date Unit 5** | **Original Lease Term Unit 5** | **Rental Purpose Unit 5** | **Actual In Place Rent Unit 5** | **Third Party Market Rent Estimate Unit 5** | **Lease in Place Flag Unit 6** | **Lease Start Date Unit 6** | **Lease End Date Unit 6** | **Original Lease Term Unit 6** | **Rental Purpose Unit 6** | **Actual In Place Rent Unit 6** | **Third Party Market Rent Estimate Unit 6** | **Lease in Place Flag Unit 7** | **Lease Start Date Unit 7** | **Lease End Date Unit 7** | **Original Lease Term Unit 7** | **Rental Purpose Unit 7** | **Actual In Place Rent Unit 7** | **Third Party Market Rent Estimate Unit 7** | **Lease in Place Flag Unit 8** | **Lease Start Date Unit 8** | **Lease End Date Unit 8** | **Original Lease Term Unit 8** | **Rental Purpose Unit 8** | **Actual In Place Rent Unit 8** | **Third Party Market Rent Estimate Unit 8** | **Lease in Place Flag Unit 9** | **Lease Start Date Unit 9** | **Lease End Date Unit 9** | **Original Lease Term Unit 9** | **Rental Purpose Unit 9** | **Actual In Place Rent Unit 9** | **Third Party Market Rent Estimate Unit 9** | **Lease in Place Flag Unit 10** | **Lease Start Date Unit 10** | **Lease End Date Unit 10** | **Original Lease Term Unit 10** | **Rental Purpose Unit 10** | **Actual In Place Rent Unit 10** | **Third Party Market Rent Estimate Unit 10** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 Employment Status** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 Number of Mortgaged Properties** | **Borrower 1 Citizenship** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 1 Country Name** | **Borrower 1 Asset Verification Level** | **Borrower 1 Credit Order Date** | **Borrower 1 Experian FICO** | **Borrower 1 Experian FICO Model Used** | **Borrower 1 Equifax FICO** | **Borrower 1 Equifax FICO Model Used** | **Borrower 1 TransUnion FICO** | **Borrower 1 TransUnion FICO Model Used** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 Employment Status** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 Number of Mortgaged Properties** | **Borrower 2 Citizenship** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 2 Country Name** | **Borrower 2 Asset Verification Level** | **Borrower 2 Credit Order Date** | **Borrower 2 Experian FICO** | **Borrower 2 Experian FICO Model Used** | **Borrower 2 Equifax FICO** | **Borrower 2 Equifax FICO Model Used** | **Borrower 2 TransUnion FICO** | **Borrower 2 TransUnion FICO Model Used** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 Number of Mortgaged Properties** | **Borrower 3 Citizenship** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 3 Country Name** | **Borrower 3 Asset Verification Level** | **Borrower 3 Credit Order Date** | **Borrower 3 Experian FICO** | **Borrower 3 Experian FICO Model Used** | **Borrower 3 Equifax FICO** | **Borrower 3 Equifax FICO Model Used** | **Borrower 3 TransUnion FICO** | **Borrower 3 TransUnion FICO Model Used** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 Number of Mortgaged Properties** | **Borrower 4 Citizenship** | **Borrower 4 Documentation Used to Determine Legal Residency** | **Borrower 4 Country Name** | **Borrower 4 Asset Verification Level** | **Borrower 4 Credit Order Date** | **Borrower 4 Experian FICO** | **Borrower 4 Experian FICO Model Used** | **Borrower 4 Equifax FICO** | **Borrower 4 Equifax FICO Model Used** | **Borrower 4 TransUnion FICO** | **Borrower 4 TransUnion FICO Model Used** | **Personal Guarantee** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Business Ownership Percent** | **Guarantor 1 Recourse Type** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Documentation Used to Determine Legal Residency** | **Guarantor 1 Country Name** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Employment Verification Level** | **Guarantor 1 Income Verification Level** | **Guarantor 1 FICO Model Used** | **Guarantor 1 Credit Order Date** | **Guarantor 1 Experian FICO** | **Guarantor 1 Experian FICO Model Used** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Equifax FICO Model Used** | **Guarantor 1 TransUnion FICO** | **Guarantor 1 TransUnion FICO Model Used** | **Guarantor 1 Most Recent Fico Method** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Business Ownership Percent** | **Guarantor 2 Recourse Type** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Documentation Used to Determine Legal Residency** | **Guarantor 2 Country Name** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Employment Verification Level** | **Guarantor 2 Income Verification Level** | **Guarantor 2 FICO Model Used** | **Guarantor 2 Credit Order Date** | **Guarantor 2 Experian FICO** | **Guarantor 2 Experian FICO Model Used** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Equifax FICO Model Used** | **Guarantor 2 TransUnion FICO** | **Guarantor 2 TransUnion FICO Model Used** | **Guarantor 2 Most Recent Fico Method** | **Guarantor 3 First Name** | **Guarantor 3 Last Name** | **Guarantor 3 Business Ownership Percent** | **Guarantor 3 Recourse Type** | **Guarantor 3 Number of Mortgaged Properties** | **Guarantor 3 Citizenship** | **Guarantor 3 Documentation Used to Determine Legal Residency** | **Guarantor 3 Country Name** | **Guarantor 3 Asset Verification Level** | **Guarantor 3 Employment Verification Level** | **Guarantor 3 Income Verification Level** | **Guarantor 3 FICO Model Used** | **Guarantor 3 Credit Order Date** | **Guarantor 3 Experian FICO** | **Guarantor 3 Experian FICO Model Used** | **Guarantor 3 Equifax FICO** | **Guarantor 3 Equifax FICO Model Used** | **Guarantor 3 TransUnion FICO** | **Guarantor 3 TransUnion FICO Model Used** | **Guarantor 3 Most Recent Fico Method** | **Guarantor 4 First Name** | **Guarantor 4 Last Name** | **Guarantor 4 Business Ownership Percent** | **Guarantor 4 Recourse Type** | **Guarantor 4 Number of Mortgaged Properties** | **Guarantor 4 Citizenship** | **Guarantor 4 Documentation Used to Determine Legal Residency** | **Guarantor 4 Country Name** | **Guarantor 4 Asset Verification Level** | **Guarantor 4 Employment Verification Level** | **Guarantor 4 Income Verification Level** | **Guarantor 4 FICO Model Used** | **Guarantor 4 Credit Order Date** | **Guarantor 4 Experian FICO** | **Guarantor 4 Experian FICO Model Used** | **Guarantor 4 Equifax FICO** | **Guarantor 4 Equifax FICO Model Used** | **Guarantor 4 TransUnion FICO** | **Guarantor 4 TransUnion FICO Model Used** | **Guarantor 4 Most Recent Fico Method** | **Authorized Signor 1 First Name** | **Authorized Signor 1 Last Name** | **Authorized Signor 2 First Name** | **Authorized Signor 2 Last Name** | **Member 1 First Name** | **Member 1 Last Name** | **Member 1 Documentation Used to Determine Legal Residency** | **Member 1 Credit Order Date** | **Member 1 Experian FICO** | **Member 1 Experian FICO Model Used** | **Member 1 Equifax FICO** | **Member 1 Equifax FICO Model Used** | **Member 1 TransUnion FICO** | **Member 1 TransUnion FICO Model Used** | **Member 1 Asset Verification Level** | **Member 1 Employment Verification Level** | **Member 1 Income Verification Level** | **Member 2 First Name** | **Member 2 Last Name** | **Member 2 Documentation Used to Determine Legal Residency** | **Member 2 Credit Order Date** | **Member 2 Experian FICO** | **Member 2 Experian FICO Model Used** | **Member 2 Equifax FICO** | **Member 2 Equifax FICO Model Used** | **Member 2 TransUnion FICO** | **Member 2 TransUnion FICO Model Used** | **Member 2 Asset Verification Level** | **Member 2 Employment Verification Level** | **Member 2 Income Verification Level** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Investment Property Original As Is LTV** | **As Is Value** | **After Repair Value** | **After Repair Value LTV** | **Loan to Cost** | **Original Sales Price** | **Assignment Fee** | **Loan to Purchase Price** | **SBC Occupancy** | **Investment Property Type** | **Has Dutch Interest** | **Interest Reserves Escrowed** | **Guarantor 1 ITIN Flag** | **Guarantor 2 ITIN Flag** | **Guarantor 3 ITIN Flag** | **Guarantor 4 ITIN Flag** |
| XXXX | 409024966 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXXX | Third Party Rental Source | XXXX |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX |  |  | No |  |  |  | Long Term |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | XXXX | Level 3-Stated/Partially Verified | No |  |  | No |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX | Full Recourse | 1 | Foreign National |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Full Recourse | 1 | Foreign National |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 409033666 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXXX | Third Party Rental Source | XXXX |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX |  |  | No |  |  |  | Long Term |  | XXXX | No |  |  |  | Long Term |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | XXXX | Level 4-Stated/Verified as defined | No |  |  | No |  |  |  |  |  |  | XXXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Corp | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX | Full Recourse | 10 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  | Classic | XXXX | XXXX | Fair Isaac (VER. 2) | XXXX | FICO Classic V5 Facta | XXXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 409033699 | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXXX | Third Party Rental Source | XXXX |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX |  |  | No |  |  |  | Long Term |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | XXXX | Level 4-Stated/Verified as defined | No |  |  | No | No |  |  |  | Permanent Resident Alien | Permanent Resident Alien | XXXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | Permanent Resident Alien | Permanent Resident Alien |  | Level 4-Stated/Verified as defined | XXXX | XXXX | Fair Isaac (VER. 2) | XXXX | FICO Classic V5 Facta | XXXX | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 409033606 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXXX | Third Party Rental Source | XXXX |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | XXXX | XXXX | Yes | XXXX | XXXX | 12 | Long Term | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | XXXX | Level 2-Stated/Not Verified | No |  |  | No |  |  |  | XXXX |  |  | XXXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified |  | Classic | XXXX | XXXX | Fair Isaac (VER. 2) | XXXX | FICO Classic V5 Facta | XXXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2 |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 409033737 | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXXX | Rent on Existing Lease | XXXX |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | XXXX | Level 2-Stated/Not Verified | No |  |  | No | No |  |  | XXXX | US Citizen |  | XXXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | XXXX | XXXX | Fair Isaac (VER. 2) | XXXX | FICO Classic V5 Facta | XXXX | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.14

![](ca_logo.jpg)

#### EXECUTIVE SUMMARY<br> THIRD PARTY DUE DILIGENCE REVIEW

#### Overview
Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on newly originated residential mortgage loans purchased by Aspire Sponsor, LLC. The review included a total of 552 newly originated residential mortgage loans, in connection with the securitization identified as SPIRE 2026-2 (the "Securitization"). The Review was conducted from May 2025 through April 2026 on mortgage loans originated between May 2025 and March 2026.

#### 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:

<br> a. QM or ATR Validation / Review of 8 Key Underwriting Factors

<br> i. Income / Assets

<br> • Validate borrower(s) monthly gross income

<br> • Validate funds required to close, required reserves

<br> • Review file documentation for required level of income and asset verifications

<br> ii. Employment Status

<br> • Review file documentation for required level of employment

<br> iii. Monthly Mortgage Payment

<br> • Confirm program, qualifying rate, terms

<br> iv. Simultaneous Loans

<br> • Validate all concurrent loans are included in the DTI to properly assess the ability to repay

<br> v. Mortgage Related Obligations: PITI, HOA, PMI, etc.

<br> • Validate subject loan monthly payment (PITI) and associated obligations

<br> vi. Debts / Obligations

<br> • Validate monthly recurring liabilities

<br> vii. DTI and/or Residual Income

<br> • Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

<br> • Documentation meets Appendix Q requirements for QM Loans

<br> viii. Credit History

<br> • Review credit report for credit history and required credit depth including any / all inquiries

<br> • Determine representative credit score from credit report

<br> b. Validate loan-to-value (LTV) and combined loan-to-value

<br> c. Review borrower's occupancy

<br> d. Validation through third party resource of the subject properties most recent twelve (12) month sales history

------

<br> 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

<br> f. Confirm that Final 1003 is sufficiently completed

<br> g. Provide Audit 1008 with accurate data based on file documentation

<br> h. Confirm Loan Approval conditions were met

<br> 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

<br> j. General QM for any loans originated under the GQM Rule

<br> i. Pricing Thresholds:

<br> a. Pricing for First Lien Loans:

i. 2.25% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and

ii. 3.5% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and

iii. 6.5% for a first-lien covered transaction with a loan amount less than the applicable dollar amount threshold.

<br> b. Pricing for Subordinate Lien Loans:

i. 3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and

ii. 6.5% for a subordinate-lien covered transaction with a loan amount less than the applicable dollar amount threshold.

<br> c. Pricing for Manufactured Homes:

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

ii. 6.5% for a covered transaction secured by a manufactured home with a loan amount less than applicable dollar amount threshold.

<br> ii. Consider Income and Assets:

<br> o Consumer's current or reasonably expected income or assets (other than the value of the dwelling that secures the loan);

<br> o The consumer's debt obligations, alimony, child support; and

<br> o The monthly DTI or residual income.

<br> iii. Verification of Income and Assets:

<br> 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:

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

------

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

<br> 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;

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

<br> 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

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

#### Compliance Review
Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. In relation to cash out refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds for business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance Review" of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

<br> a. Test Loan Estimate(s) for accuracy and completeness as well as timing requirements as required by TRID Regulations

<br> b. Test Closing Disclosure(s) for accuracy and completeness as well as timing requirements as required by TRID Regulations

<br> c. Tolerance Testing

<br> i. Compare Loan Estimate and Closing Disclosures

<br> ii. Identify Tolerance Violations and applicable cost to cure

<br> d. Comprehensive review of Closing Disclosure to determine transaction accuracy

<br> e. Recalculation of APR and Finance Charge

<br> f. Testing of:

<br> i. Federal High-Cost Mortgage provisions

<br> ii. Federal Higher Priced Mortgage Loans provisions

<br> iii. Local and/or State Anti-predatory and HighCost provisions

<br> iv. HOEPA Points and Fees

<br> g. Determine whether specified federal disclosures were provided timely based upon comparison of the application date to the dates on such disclosures

<br> i. Service Provider List

<br> ii. Home Ownership Counselling Disclosure

<br> iii. ARM Disclosure

<br> h. Compliance with QM as it relates to:

<br> i. APR Test

<br> ii. Points & Fees Test

<br> iii. Prepayment Penalty Test

------

<br> iv. Product Eligibility Testing

<br> i. Notice of Right to Cancel (Rescission) Review

<br> i. Confirm transaction date, expiration date, and disbursement date

<br> ii. Confirm document is properly executed by all required parties to the transaction

<br> iii. Confirm the correct Right of Rescission document was executed for the transaction type

<br> j. Confirm through NMLS the loan originator and originating firm's license status was active and properly disclosed on appropriate loan documents

<br> k. Check the Loan participants against the exclusionary list provided by Client or by the purchaser of the Loan(s)

<br> 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:

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.

<br> 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.

<br> 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.

<br> 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.

<br> e. Review adjustments (line item, net and gross adjustments) to ensure they are reasonable.

<br> f. Ensure that the appraisal conforms to the guidelines provided from the Client.

<br> g. Review appraisal to ensure all required documents were included.

<br> h. Review location map provided within the appraisal for external obsolescence.

<br> i. Ensure highest and best use and zoning complies with guidelines.

<br> j. Confirm there are no marketability issues that affect the subject property.

<br> k. Ensure subject property does not suffer any functional obsolescence.

<br> l. Where applicable, determine if the file did not contain the appraisal or other valuation method and a review could not be performed.

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 guideline 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 (552 loans in total):

Twenty-four (24) loans had a Secondary Appraisal, zero (0) loans had an AVM, and three hundred twenty-eight (328) loans had a Desktop Review.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed. There were zero (0) occurrences of this.

One (1) loan had a Field Review or BPO, three (3) 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 five hundred fifty-two (552) mortgage loans reviewed, two hundred eighty-three (283) unique mortgage loans (51.27% by loan count) had a total of four hundred eighty-seven (487) discrepancies across twenty-three (23) 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.

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| Property Value | 106 | 21.77% |
| Qualifying LTV | 60 | 12.32% |
| Qualifying CLTV | 59 | 12.11% |
| Refinance Purpose | 41 | 8.42% |
| Property Attachment Type | 39 | 8.01% |
| Escrow Flag | 29 | 5.95% |
| Subject Property Type | 28 | 5.75% |
| Pricing Doc Type | 24 | 4.93% |
| Cash out Include Debt Paid at Close | 23 | 4.72% |
| Qualifying FICO | 20 | 4.11% |
| Sales Price | 15 | 3.08% |
| Application Date | 10 | 2.05% |
| Prepayment Penalty Total Term | 6 | 1.23% |
| Property City | 6 | 1.23% |
| Amortization Term | 4 | 0.82% |
| Occupancy | 4 | 0.82% |
| Property Type | 3 | 0.62% |
| Property Zip Code | 2 | 0.41% |
| Interest Rate | 2 | 0.41% |
| Note Date | 2 | 0.41% |
| Borrower 1 SSN | 2 | 0.41% |

---

------

---

| | | |
|:---|:---|:---|
| Prepayment Penalty | 1 | 0.21% |
| Borrower 2 SSN | 1 | 0.21% |
| **Grand Total** | **487** | **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 | 420 | $238593607.00 | 76.09% |
| Event Grade B | 132 | $74100225.00 | 23.91% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 552 | $312693832.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 438 | 79.35% |
| Event Grade B | 114 | 20.65% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 552 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results: (As applicable, 2 loans within population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 2 loans within population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 2 loans within population did not receive a Compliance Review)** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 533 | 96.91% |
| Event Grade B | 17 | 3.09% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 550 | 100.00% |

---

------

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 539 | 97.64% |
| Event Grade B | 13 | 2.36% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 552 | 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").

---

| | | | |
|:---|:---|:---|:---|
| Exception Type | Exception Level Grade | Exception Category | Total |
| Credit | A | No Credit Findings | 194 |
| Credit | A | Business Purpose Affidavit/Disclosure Missing | 19 |
| Credit | A | Property Title Issue | 17 |
| Credit | A | Asset Qualification Does Not Meet Guideline Requirements | 16 |
| Credit | A | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | 15 |
| Credit | A | Third Party Fraud Report not Provided | 14 |
| Credit | A | Rent Loss Insurance Missing | 13 |
| Credit | A | Audited Reserves are less than Guideline Required Reserves (Number of Months) | 13 |
| Credit | A | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | 12 |
| Credit | A | Title Coverage is Less than Subject Lien | 12 |
| Credit | A | Missing Lease Agreement | 12 |
| Credit | A | Income and Employment Do Not Meet Guidelines | 11 |
| Credit | A | Missing VOM or VOR | 11 |
| Credit | A | Missing Letter of Explanation (Credit) | 11 |
| Credit | A | Missing Personal Guaranty | 10 |

---

------

---

| | |
|:---|:---|
| The Final 1003 is Incomplete | 10 |
| Housing History Does Not Meet Guideline Requirements | 9 |
| The Total Hazard Coverage is LESS than the Required Coverage Amount | 7 |
| Audited LTV Exceeds Guideline LTV | 7 |
| Purchase Contract is Missing | 7 |
| Missing Business Entity Formation Document | 7 |
| The Note is Incomplete | 7 |
| Missing Lender Income Calculation Worksheet | 7 |
| Application Profile Missing | 7 |
| The Note is Missing | 6 |
| Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | 6 |
| The Final 1003 is Missing | 5 |
| Borrower 1 Photo Identification not provided | 5 |
| Purpose does not meet eligibility requirement(s) | 4 |
| Purchase Contract is Incomplete | 4 |
| Fraud Report Shows Uncleared Alerts | 4 |
| HO6 Master Insurance Policy is Missing | 4 |
| Asset 1 Does Not Meet Guideline Requirements | 4 |
| Missing Trust Agreement | 4 |
| Borrower 1 3rd Party VOE Prior to Close Missing | 4 |
| The Deed of Trust is Missing | 3 |
| Flood Certificate Missing | 3 |
| Hazard Insurance Policy is Missing | 3 |
| 1-4 Family Rider is Missing | 3 |
| Asset 2 Does Not Meet Guideline Requirements | 3 |
| Missing Letter of Explanation (Income) | 3 |
| Approval/Underwriting Summary Not Provided | 3 |
| Borrower Rental Experience Not Within Guidelines | 3 |
| Audited FICO is less than Guideline FICO | 3 |
| Audited DTI Exceeds Guideline DTI | 3 |
| Borrower 2 Photo Identification not provided | 2 |
| Borrower 1 Credit Report is Missing | 2 |
| Rent Loss Coverage Not Sufficient | 2 |
| Missing Property Tax Cert | 2 |
| Guideline Seasoning not Met | 2 |
| Final CD: Calculating Cash to Close Closing Costs Paid, Closing Costs Financed, Down Pmt, Deposit, and/or Funds for Borrower discrepancy | 2 |
| Third Party Fraud Report Partially Provided | 2 |

---

------

---

| | |
|:---|:---|
| Hazard Insurance Policy is Partial | 2 |
| Borrower 1 Credit Report is Incomplete | 2 |
| Borrower 1 Credit Report is Expired | 2 |
| DSCR is less than guideline minimum | 2 |
| Potential Occupancy/Current Address Issues identified in the file | 2 |
| Borrower 2 Credit Report is Missing | 2 |
| Title Document Missing | 2 |
| Borrower does not meet residual income requirement | 2 |
| Borrower 1 Deed of Trust Signature does not match Note | 2 |
| Loan does not conform to program guidelines | 2 |
| Fraud alert is present on the credit report | 2 |
| Assets do not meet guideline requirements | 2 |
| Missing Prepayment Rider | 2 |
| Missing Divorce Decree | 2 |
| Borrower 1 Gap Credit Report is Missing | 1 |
| The Initial 1003 is Missing | 1 |
| Subject Property Address on Note does not match Insured Property Address | 1 |
| Condo Rider is Missing | 1 |
| Missing letter of explanation | 1 |
| HO-6 Insurance Policy is Missing | 1 |
| Missing Credit Report Supplement | 1 |
| Missing Taxpayer First Act Disclosure | 1 |
| Borrower 1 Business Bank Statements Missing | 1 |
| Delinquent Credit History Does Not Meet Guideline Requirements | 1 |
| Asset 4 Does Not Meet Guideline Requirements | 1 |
| Missing Verification of Mortgage | 1 |
| Hazard Insurance Effective Date is after the Disbursement Date | 1 |
| Borrower 1 CPA Letter Missing | 1 |
| Borrower 2 Unable to Determine borrower citizenship | 1 |
| Income 1 Income Trend is Decreasing | 1 |
| Satisfactory Chain of Title not Provided | 1 |
| Mortgage history for primary residence less than 12 months | 1 |
| Borrower 1 Separation Agreement Missing | 1 |
| Audited Interested Party Contribution Exceeds Guideline Program Maximum | 1 |
| Missing Income - Bank Statements | 1 |
| Asset 3 Does Not Meet Guideline Requirements | 1 |
| Missing income documentation | 1 |

---

------

---

| | | |
|:---|:---|:---|
| | Audited Loan Amount is greater than Guideline Maximum Loan Amount | 1 |
| | Borrower owns more financed properties than allowed per guidelines | 1 |
| | Income/Employment General | 1 |
| | Borrower 1 Unable to Determine borrower citizenship | 1 |
| | Borrower 2 residency documentation not provided or issue with documentation | 1 |
| | Missing Loan program disclosure | 1 |
| | Purchase is not considered to be an Arm's Length Transaction | 1 |
| | Missing attorney opinion letter/trust review documentation | 1 |
| | Missing final HUD-1 from sale of non-subject property | 1 |
|  | ***Total Credit Grade (A) Exceptions:*** | ***602*** |
| B | Asset Qualification Does Not Meet Guideline Requirements | 15 |
| B | Audited LTV Exceeds Guideline LTV | 14 |
| B | Missing an established escrow impound account for taxes and insurance. | 13 |
| B | Application Profile Missing | 12 |
| B | Missing Letter of Explanation (Credit) | 11 |
| B | Audited Interested Party Contribution Exceeds Guideline Program Maximum | 10 |
| B | Loan does not conform to program guidelines | 8 |
| B | Income and Employment Do Not Meet Guidelines | 8 |
| B | Rent Loss Insurance Missing | 8 |
| B | Tradelines do not meet Guideline Requirements | 6 |
| B | Rent Loss Coverage Not Sufficient | 4 |
| B | Purpose does not meet eligibility requirement(s) | 4 |
| B | Asset 1 Does Not Meet Guideline Requirements | 4 |
| B | Audited FICO is less than Guideline FICO | 3 |
| B | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | 3 |
| B | Audited Reserves are less than Guideline Required Reserves (Number of Months) | 3 |
| B | Borrower Rental Experience Not Within Guidelines | 3 |
| B | Housing History Does Not Meet Guideline Requirements | 3 |
| B | Missing VOM or VOR | 2 |
| B | The Final 1003 is Incomplete | 2 |
| B | DSCR is less than guideline minimum | 2 |
| B | Missing Business Entity Formation Document | 2 |
| B | Missing Lease Agreement | 2 |
| B | Missing Letter of Explanation (Income) | 2 |
| B | Trade line count does not meet program requirements | 1 |
| B | Borrower 1 Credit Report is Incomplete | 1 |

---

------

---

| | | | |
|:---|:---|:---|:---|
| | | Borrower residency documentation not provided or issue with documentation | 1 |
| | | Missing income documentation | 1 |
| | | The Qualifying FICO Method must be set to Lowest Mid Score | 1 |
| | | Asset 3 Does Not Meet Guideline Requirements | 1 |
| | | Payment shock exceeds guideline | 1 |
| | | Assets do not meet guideline requirements | 1 |
| | | Condominium Project is Non-Warrantable | 1 |
| | | Entity Documentation - Missing or Defective | 1 |
| | | Borrower 1 Lease Agreements Missing | 1 |
| | | Hazard Insurance Effective Date is after the Disbursement Date | 1 |
| | | Title Document is Partially Present | 1 |
| | | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | 1 |
| | | HO6 Master Insurance Policy is Partial | 1 |
| | | Borrower 1 3rd Party VOE Prior to Close Missing | 1 |
| | | Missing Personal Guaranty | 1 |
|  |  | ***Total Credit Grade (B) Exceptions:*** | ***161*** |
| Compliance | A | No Compliance Findings | 47 |
| Compliance | A | Missing Required Affiliated Business Disclosure | 28 |
| Compliance | A | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | 15 |
| Compliance | A | Charges That Cannot Increase Test | 13 |
| Compliance | A | eSigned Documents Consent is Missing | 13 |
| Compliance | A | Qualified Mortgage APR Threshold Test | 8 |
| Compliance | A | Initial Closing Disclosure Delivery Date Test | 7 |
| Compliance | A | Lender Credits That Cannot Decrease Test | 6 |
| Compliance | A | Lender did not provide ATR/QM Status Determination | 5 |
| Compliance | A | Charges That In Total Cannot Increase More Than 10% Test | 3 |
| Compliance | A | Qualified Mortgage Safe Harbor Threshold | 2 |
| Compliance | A | Higher-Priced Mortgage Loan Test | 2 |
| Compliance | A | Final CD: Loan Disclosures Assumption incomplete or inaccurate | 2 |
| Compliance | A | Homeownership Counseling Disclosure Is Missing | 2 |
| Compliance | A | Intent to Proceed is Missing | 2 |
| Compliance | A | Qualified Mortgage Lending Policy Points and Fees Test | 2 |
| Compliance | A | Late Charge Grace Period is less than 10 days | 2 |
| Compliance | A | Late Charge Percent is greater than 6% | 2 |
| Compliance | A | Final HUD-1 Document is Missing | 2 |
| Compliance | A | Right of Rescission is Missing | 1 |
| Compliance | A | TRID: Closing Disclosure Deficiency | 1 |

---

------

---

| | | | |
|:---|:---|:---|:---|
| | | TILA Finance Charge Test | 1 |
| | | TRID: Missing Closing Disclosure | 1 |
| | | Revised Loan Estimate Delivery Date Test (prior to consummation) | 1 |
| | | O.C.G.A. § 7-6a-4 - Tangible Net Benefit Disclosure, or worksheet when applicable, is missing or no evidence it was provided prior to or at consummation or unable to validate tangible net benefit criteria | 1 |
| | | The Note is Not Executed | 1 |
| | | TRID: Missing Loan Estimate | 1 |
| | | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | 1 |
| | | Missing HUD-1 Closing Statement | 1 |
| | | TRID: Loan Estimate Deficiency | 1 |
| | | Final CD: Contact Information (page 5) is incomplete | 1 |
| | | Note Does Not Indicate a Prepayment Penalty but CD Indicates a Prepayment Penalty | 1 |
| | | CA Per Diem Interest Amount Test | 1 |
| | | Missing evidence of rate lock | 1 |
|  |  | ***Total Compliance Grade (A) Exceptions:*** | ***178*** |
|  | B | Qualified Mortgage Lending Policy Points and Fees Test | 6 |
|  | B | Charges That Cannot Increase Test | 5 |
|  | B | Charges That In Total Cannot Increase More Than 10% Test | 3 |
|  | B | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | 2 |
|  | B | Missing Required Affiliated Business Disclosure | 1 |
|  | B | ***Total Compliance Grade (B) Exceptions:*** | ***17*** |
| Property | A | No Property Findings | 53 |
| Property | A | Third Party Valuation Product Not Provided within 10% Tolerance | 11 |
| Property | A | Property/Appraisal General | 9 |
| Property | A | Property Issue(s) are Present | 7 |
| Property | A | HOA Questionnaire is Missing | 3 |
| Property | A | Second Appraisal is Missing | 2 |
| Property | A | FEMA Post Disaster Inspection Report not Provided | 2 |
| Property | A | Appraisal is Missing | 2 |
| Property | A | No HOA fees on appraisal and property identified as a PUD | 1 |
| Property | A | HOA Questionnaire is Incomplete | 1 |
| Property | A | Subject property appraisal is not on an as-is basis (Primary Value) | 1 |
| Property | A | Condo Approval Missing | 1 |
| Property | A | HOA Does Not Meet Guidelines | 1 |
| Property | A | Missing Appraisal | 1 |
| Property | A | ***Total Property Grade (A) Exceptions:*** | ***95*** |

---

------

---

| | | |
|:---|:---|:---|
| B | Property/Appraisal General | 6 |
| B | Property Issue(s) are Present | 2 |
| B | FEMA Post Disaster Inspection Report not Provided | 1 |
| B | HOA Does Not Meet Guidelines | 1 |
| B | Subject property was listed for sale within a time period not allowed per guidelines | 1 |
| B | Ineligible Property | 1 |
| B | Property has been listed for sale in the past 6 months | 1 |
| B | ***Total Property Grade (B) Exceptions:*** | ***13*** |

---

#### Event Grade Definitions

---

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

---

---

| | |
|:---|:---|
| **Credit Event Grades** | **Credit Event Grades** |
| 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 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. |
| C | 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. |
| D | There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

------

---

| | |
|:---|:---|
| **Compliance Event Grades** | **Compliance Event Grades** |
| A | 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. |
| 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 absent 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. |

---

---

| | |
|:---|:---|
| **Valuation Event Grades** | **Valuation Event Grades** |
| A | 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. |
| B | 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. |
| 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. |

---

------

---

| | |
|:---|:---|
| **Valuation Event Grades** | **Valuation Event Grades** |
| D | The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.15

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 250000003 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per the Initial 1003, the XXX has been verified. |
| 250000007 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per the Initial 1003, the XXX has been verified. |
| 250000009 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Per final CD, cash to borrower was XXX |
| 250000011 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per the Initial 1003, the XXX has been verified. |
| 250000017 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per the Initial 1003, the XXX has been verified. |
| 250000019 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per the Initial 1003, the XXX has been verified. |
| 250000025 |  |  | XXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | The Note confirms the date of XXX vs Notary date of XXX. |
| 250000027 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Verified to appraised value vs. purchase price. |
| 250000035 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Per appraisal report, subject XXX was XXX |
| 250000037 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Total cash out of XXX per final CD. |
| 250000039 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash to borrower equals XXX |
| 250000039 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | XXX% |
| 250000039 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | XXX% |
| 250000041 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX/ appraisal value is XXX is XXX was used to establish the LTV. |
| 250000041 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Bank Statement Calculation in file reflects XXX months bank Statements. |
| 250000045 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Audit FICO captured from the credit report ordered date XXX. Guidelines require use of the lowest middle score of all the borrowers. Tape data is the Co-borrower's middle score vs the borrower's middle score. |
| 250000047 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | XXX is XXX confirmed using appraisal report. |
| 250000047 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Qualifying CLTV of XXX% matches XXX system rounding. |
| 250000047 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Qualifying LTV of XXX% matches XXX system rounding. |
| 250000049 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | True Data reflects the value based on the value reported in the appraisal. |
| 250000049 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXX | XXX | True Data reflects funds received from this XXX transaction. |
| 250000049 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | True Data reflects the Combined Loan-to-Value (CLTV) ratio based on the value reported in the appraisal. |
| 250000049 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | True Data reflects the Loan-to-Value (LTV) ratio based on the value reported in the appraisal. |
| 250000049 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | True Data reflects the XXX based on the appraisal. |
| 250000055 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Confirmed XXX including debt pay off on Final CD |
| 250000061 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit verified the CLTV to match the lender |
| 250000061 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit verified the LTV to match the lender |
| 250000063 | XXXXX |  | XXX | Prepayment Penalty Total Term | notePage | XXX | XXX | Per Note PPP Addendum only continuing thru XXX. |
| 250000063 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Appraisal confirms subject is XXX PUD. |
| 250000071 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Appraisal confirms subject value vs XXX. |
| 250000079 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Property is a S-XXX end unit per appraisal Per deal guide updated to XXX. |
| 250000085 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Appraisal confirms value of $XXX vs XXX of $XXX. |
| 250000087 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per the Initial 1003, the XXX has been verified. |
| 250000091 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per the Initial 1003, the XXX has been verified. |
| 250000091 |  |  | XXX | Property Type | propertyValuationPage | XXX | XXX | XXX End-Unit per Appraisal. |
| 250000099 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Validated cash out amount with final settlement Statement provided. |
| 250000099 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Validated property attachment as semi-XXX with appraisal provided. |
| 250000099 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Validated subject is located within a PUD with the appraisal and title provided. |
| 250000107 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Subject property has an appraised value of XXX and a sale price of XXX |
| 250000109 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX is XXX per appraisal report. Tape data is using the purchase price figure. |
| 250000111 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Validated XXX with final CD provided which reflects cash back to the borrower. |
| 250000113 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Taxes and insurance are included in escrows per final closing disclosure. |
| 250000113 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash out to borrower is XXX per final closing disclosure. |
| 250000113 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Property is an XXX per the appraisal report. |
| 250000117 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Loan has an escrow account which is required on XXX properties |
| 250000119 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXX | XXX | FCD confirms XXX of $XXX. |
| 250000125 |  |  | XXX | Property Type | propertyValuationPage | XXX | XXX | XXX- Two to XXX Unit per Mortgage and Appraisal |
| 250000127 |  |  | XXX | Property Type | propertyValuationPage | XXX | XXX | The correction to XXX has been made in XXX |
| 250000145 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX is XXX per appraisal report. Tape data is reporting the sale price of XXX |
| 250000147 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | CLTV is XXX% LauraMac rounded to XXX% this matches the lender's XXX Tape data shows XXX% this appears to be using an older loan amount and/or XXX. |
| 250000147 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | LTV is XXX% LauraMac rounded to XXX% this matches the lender's XXX Tape data shows XXX% this appears to be using an older loan amount and/or XXX. |
| 250000147 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | This is limited cash out as borrower is receiving XXX per final closing disclosure. |
| 250000149 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Audit value is the appraisal value of XXX The borrower purchased the home in XXX for XXX |
| 250000155 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX per the appraisal in file is XXX Tape data value is unkown. |
| 250000161 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Appraised XXX is XXX per appraisal, the tape data is showing the purchase price + documented improvements. |
| 250000161 | XXXXX |  | XXX | Sales Price | closingDetailsNonCompliancePage | XXX | XXX | Loan purpose is refinance XXX. |
| 250000171 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Audit cash out value captured from the final CD |
| 250000173 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Per appraisal report, subject XXX was XXX |
| 250000173 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Per final CD, cash to borrower was XXX |
| 250000173 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Per final XXX LTV was XXX% |
| 250000173 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Per final XXX CLTV was XXX% |
| 250000179 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit LTV XXX% matches the lender's final XXX Tape data value XXX. |
| 250000179 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit CLTV XXX% matches the lender's final XXX Tape data value XXX. |
| 250000181 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXX | XXX | Audit verified cash out of XXX including debts paid at closing. Tape data value is XXX as cash in hand was $XXX. |
| 250000183 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash out per final HUD XXX in file is XXX |
| 250000191 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | The Final CD confirms the XXX of $XXX. |
| 250000191 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | The Appraisal confirms subject is XXX SFR. |
| 250000191 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | The Appraisal confirms subject is XXX SFR. |
| 250000193 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX is XXX per appraisal report. |
| 250000193 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash out to borrower is XXX per settlement Statement. |
| 250000193 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Loan amount XXX / appraised value XXX per appraisal = XXX% CLTV. |
| 250000193 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Loan amount XXX / appraised value XXX per appraisal = XXX% LTV. |
| 250000193 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Property is XXX per appraisal report. |
| 250000195 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Verified Cash out XXX using final CD dated XX/XX/XXXX pg. XXX |
| 250000195 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Verified escrows are included using final CD dated XX/XX/XXXX |
| 250000199 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per the Initial 1003, the XXX has been verified. |
| 250000205 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX is XXX per appraisal report. Tape data is reporting the sale price. |
| 250000205 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | CLTV is XXX% and this matches the lender's final XXX |
| 250000205 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | LTV is XXX% and this matches the lender's final XXX |
| 250000205 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Property is a PUD per the appraisal report and the PUD Rider. |
| 250000209 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per the Initial 1003, the XXX has been verified. |
| 250000211 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per the Initial 1003, the XXX has been verified. |
| 250000219 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXX | XXX | Audit confirmed Cash Out amount to be XXX per executed CD provided (not XXX). |
| 250000219 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Audit confirmed XXX to be BankStatement XXX Months not BankStatement XXX Months per docs provided. |
| 250000225 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Appraisal reflects "XXX". |
| 250000229 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Property is XXX per the appraisal report. |
| 250000231 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | escrow per Final CD |
| 250000233 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Audit verified borrower received cash at closing, less than $XXX, which is limited cash out. |
| 250000233 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Borrower qualified with business Statements for one business and personal bank Statements for the realty business. |
| 250000241 | XXXXX |  | XXX | Occupancy | the1003Page | XXX | XXX | Audit value captured from the final application and XXX |
| 250000241 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Post close CD reflects XXX cash to borrower at close resulting in a limited cash out transaction. |
| 250000249 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | per Appraisal |
| 250000251 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXX | XXX | The Audited cash to close amount of XXX is correct as it reflects the final Closing Disclosure executed at settlement, while the tape data reflects a preliminary cash out figure that was revised prior to closing. |
| 250000255 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Total cash out XXX per final CD |
| 250000255 | XXXXX |  | XXX | Sales Price | closingDetailsNonCompliancePage | XXX | XXX | Audit value based on the loan documents. The property is a refinance. |
| 250000257 | XXXXX |  | XXX | Sales Price | propertyValuationPage | XXX | XXX | Per final XXX and CD, purchase price was XXX |
| 250000257 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Per final XXX LTV was XXX% |
| 250000257 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Per final XXX CLTV was XXX% |
| 250000257 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Per documentation in the file, the main source of income is from B1's wager earner employment. Asset depletion was used as additional income. |
| 250000259 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Purchase price is less than appraised value. Using purchase price as value. |
| 250000261 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Audit confirmed the XXX of XXX on the Appraisal and the Desk Review. Tape data value is XXX. |
| 250000261 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Audit verified the lowest mid FICO score of XXX on the credit report and the XXX Tape data value is XXX. |
| 250000261 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit confirmed the LTV of XXX% (Loan: $XXX) / (Home Value: $XXX). Tape data value is XXX. |
| 250000261 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit confirmed the CLTV of XXX% (Loan: $XXX) / (Home Value: $XXX). Tape data value is XXX. |
| 250000261 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Audit verified the XXX of XXX on the 1003 and Final CD showing borrower brought cash to close. Tape data value is XXX. |
| 250000267 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Property is a S-XXX end unit per appraisal. Per deal guide updated to XXX. |
| 250000271 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXX | XXX | Confirmed the True Data as per the Final CD cash back at closing. Tape data value is XXX. |
| 250000275 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX is XXX per the appraisal report. Tape data is showing the purchase price. |
| 250000281 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX is XXX per appraisal report. Tape data is showing the purchase price. |
| 250000283 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Appraised value is $XXX. XXX is $XXX. |
| 250000285 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Property is XXX per the appraisal report, appraiser checked 'XXX' on page XXX |
| 250000289 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Audit confirmed Property Valuation to be XXX not XXX per XXX provided. |
| 250000291 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Audit verified the XXX of XXX on the appraisal document and the CDA review. |
| 250000291 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Audit verified and selected XXX Business Bank Statements as the XXX. The XXX defaults back to XXX Personal Bank Statements. |
| 250000293 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | postConsummationCdDetailPage | XXX | XXX | Total cash out of XXX per PCCD. |
| 250000293 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Total cash out of XXX per PCCD. |
| 250000295 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Confirmed the Escrow as Yes as per the Final CD |
| 250000295 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Confirmed the cash out amount of XXX as per the Final CD |
| 250000297 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Confirmed the XXX of XXX as per the appraisal provided. |
| 250000299 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Variance noted between data sources. The qualifying XXX of XXX is supported by the primary appraisal (XXX URAR dated XXX/XXX/XXX). The alternate value of XXX reflects a secondary valuation source. |
| 250000301 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX is $ XXX and the sale price is $ XXX |
| 250000305 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | docs in file support bank Statement Statements program |
| 250000307 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | postConsummationCdDetailPage | XXX | XXX | Per post CD XXX cask back to borrower. |
| 250000307 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Transactions is limited/ no cash out. |
| 250000311 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | LauraMac will not let me correct. Tape data is accurate |
| 250000311 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | true data is accurate based on appraisal |
| 250000317 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | The XXX is the appraised value and the XXX was the purchase price. |
| 250000319 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Audit confirmed XXX to be XXX (not XXX) based off of XXX provided. |
| 250000319 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Audit confirmed XXX to be XXX (not XXX) based off of XXX provided. |
| 250000325 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX per the appraisal in file is XXX |
| 250000325 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash out per the final HUD XXX in file is XXX |
| 250000331 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Per final CD an escrow account has been established |
| 250000333 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Audit verified the XXX of XXX on the appraisal document. The Lender/Audit used the XXX of XXX to calculate the LTV/CLTV. |
| 250000341 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Per final closing disclosure, this is limited cash out to borrower. |
| 250000351 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | XXX- XXX per Appraisal |
| 250000351 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | XXX- Appraised Value-$XXX/ Total Loan Amount-$XXX= XXX% |
| 250000351 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | XXX-Appraised Value-$XXX/Loan Amount-$XXX= XXX% |
| 250000351 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX- Per Appraisal XXX |
| 250000355 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Verified to appraised value vs. purchase price. |
| 250000357 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Credit report dated XXX confirms lowest mid score of XXX Tape data value XXX. |
| 250000357 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Note loan amount of $XXX/XXX of XXX =XXX% LTV. Tape data value XXX. |
| 250000357 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Note loan amount of $XXX/XXX of XXX = XXX% CLTV. Tape data value XXX. |
| 250000357 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Appraisal value of confirms of $XXX vs tape value is sale price. |
| 250000357 | XXXXX |  | XXX | Sales Price | propertyValuationPage | XXX | XXX | Final CD confirms XXX of XXX Tape data value XXX. |
| 250000363 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Loan amount XXX and appraisal value is XXX% |
| 250000363 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Loan amount XXX and appraisal value is XXX% |
| 250000363 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Loan amount XXX and appraisal value is XXX% |
| 250000367 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | FCD confirms limited cash out of XXX (p XXX) < XXX%/$XXX. Tape data value is XXX. |
| 250000369 | XXXXX |  | XXX | Borrower 2 SSN | the1003Page | XXX | XXX | True data matches 1003 and credit report. Tape data value is XXX. |
| 250000377 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Verified loan is No cash out using settlement Statement |
| 250000379 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Verified escrow account using final CS |
| 250000379 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Verified FICO score using credit report and XXX |
| 250000379 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Verified XXX using the appraisal |
| 250000381 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | FICO score of XXX verified via the credit report and lender's XXX |
| 250000381 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | XXX of XXX verified via the appraisal. |
| 250000381 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Escrow for taxes and insurance verified with final CD. |
| 250000387 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Per appraisal report, subject XXX was XXX |
| 250000389 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Verified XXX using the appraisal. The property is XXX, though the units are XXX to each other. |
| 250000397 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX is correct as per appraisal in file. |
| 250000397 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | XXX is correct based on new loan amount and appraised value. |
| 250000397 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | XXX is correct based on new loan amount and appraised value. |
| 250000397 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | XXX is correct as per appraisal, title work and mortgage DOT PUD rider |
| 250000405 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Verified XXX using settlement Statement |
| 250000409 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | The bank Statements in file are under the name of the Borrower's business and account is a "business" checking account. |
| 250000411 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Per appraisal value is XXX |
| 250000411 | XXXXX |  | XXX | Occupancy | the1003Page | XXX | XXX | Per Borrower's business purpose and 1003, property is an XXX property. |
| 250000411 | XXXXX |  | XXX | Sales Price | propertyValuationPage | XXX | XXX | XXX per contract is XXX. |
| 250000411 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | LTV of XXX is based on XXX of XXX vs. loan amount of XXX. |
| 250000411 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | CLTV of XXX is based on XXX of XXX vs. loan amount of XXX. |
| 250000411 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Per appraisal, home is not a PUD, which is supported by deed. |
| 250000415 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Audit verified the Qualifying FICO score of XXX on the credit report. Tape data value is XXX. |
| 250000415 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit's CLTV of XXX% matches the Lender's LTV of XXX% on the XXX Tape data value is XXX. |
| 250000415 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Audit verified the XXX as XXX on the Appraisal. Tape data value is XXX. |
| 250000415 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit's LTV of XXX% matches the Lender's LTV of XXX% on the XXX Tape data value is XXX. |
| 250000423 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | BankStatements1 indicates XXX month bank Statement review. |
| 250000425 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Escrow for taxes and insurance verified with CD. |
| 250000425 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Qualifying FICO of XXX verified via the credit report which also matches the lender's XXX |
| 250000425 | XXXXX |  | XXX | Property Zip Code | notePage | XXX | XXX | XXX verified via the note. |
| 250000427 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Audit verified the XXX as a PUD, as evidenced by appraisal and the PUD rider in the loan file. Tape data value is XXX. |
| 250000433 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Appraised value is XXX is XXX |
| 250000433 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Appraisal shows PUD. |
| 250000435 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Appraisal confirms value of XXX vs PP of XXX |
| 250000439 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | The Appraisal confirms value of $XXX vs PP of XXX |
| 250000441 | XXXXX |  | XXX | Occupancy | the1003Page | XXX | XXX | Verified with 2nd home Rider. Tape data value is XXX. |
| 250000441 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Verified only XXX Months Business bank Statements in file. Lender's Income Worksheet only has XXX Months entries. Tape data value is XXX. |
| 250000447 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Audit verified property is XXX per appraisal. Tape data value is XXX. |
| 250000447 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Audit verified property is a PUD per appraisal. Tape data value is XXX. |
| 250000453 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Per appraisal and desktop analysis value is the same at XXX. Tape data value is XXX. |
| 250000453 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | CLTV is based on appraisal at XXX vs. XXX loan amount. Tape data value is XXX. |
| 250000453 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | LTV is based on appraisal at XXX vs. XXX loan amount. Tape data value is XXX. |
| 250000455 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Audit verified the XXX of XXX on the Apprasial. |
| 250000455 | XXXXX |  | XXX | Sales Price | propertyValuationPage | XXX | XXX | Audit verified the XXX of XXX on the XXX final CD, settlement Statement. |
| 250000455 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Audit verified that taxes and insurance are indicated in escrow on the final CD. |
| 250000459 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Final LTV is XXX% (note shows XXX loan amount / XXX purchase price. XXX% was an earlier LTV, final LTV was reduced by XXX% due to borrower being a first-time investor. |
| 250000459 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Final CLTV is XXX% (note shows XXX loan amount / XXX purchase price. XXX% was an earlier CLTV, final CLTV was reduced by XXX% due to borrower being a first-time investor. |
| 250000461 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | XXX is correct based on new loan amount and appraised value. |
| 250000461 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | XXX is correct based on new loan amount and appraised value. |
| 250000463 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Two appraised amounts. XXX is the most recent appraised value. |
| 250000465 | XXXXX |  | XXX | Property City | notePage | XXX | XXX | As shown on Note. |
| 250000465 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Appraisal shows XXX. |
| 250000465 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Escrows collected on the Settlement Statement. |
| 250000469 | XXXXX |  | XXX | Property City | notePage | XXX | XXX | Audit city of XXX is confirmed from the Note. Tape data value is XXX. |
| 250000471 | XXXXX |  | XXX | Property City | notePage | XXX | XXX | City name is XXX per the Note. |
| 250000473 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Per final CD escrow is XXX as only the flood insurance is escrowed. |
| 250000477 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Audit value captured from the property appraisal vs. tape value is the purchase price |
| 250000477 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Audit PUD value captured from the appraisal and verified with the PUD Rider. |
| 250000483 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Audit verified the property as a PUD as evidenced by the PUD rider in the loan file. |
| 250000485 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Per final CD, an escrow account was established. |
| 250000487 | XXXXX |  | XXX | Sales Price | propertyValuationPage | XXX | XXX | Appraisal reflects original contract price of XXX Subsequent contract addendum reduced the purchase price to XXX following collateral desktop analysis (CDA value $XXX). Final XXX aligns with amended contract. |
| 250000487 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Differences are due to valuation source used. Tape reflects LTV/CLTV calculated using the CDA value ($XXX), while appraisal-based LTV/CLTV reflects the original appraised value ($XXX). |
| 250000487 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Differences are due to valuation source used. Tape reflects LTV/CLTV calculated using the CDA value ($XXX), while appraisal-based LTV/CLTV reflects the original appraised value ($XXX). |
| 250000487 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Appraisal describes the subject as an XXX XX/XX/XXXX duplex XXX. Data tape reflects "XXX" due to system classification. Appraisal photos, legal description, and comparables confirm XXX configuration. |
| 250000489 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | LTV is confirmed by Note loan amount/appraised value. Tape data value XXX. LTV using previous PP of $XXX = XXX%. |
| 250000489 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | CLTV is confirmed by Note loan amount/appraised value. Tape data value XXX. CLTV using previous PP of $XXX = XXX%. |
| 250000489 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Borrowers are bringing in cash per FCD. |
| 250000495 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | The credit report dated XXX confirms FICO score of XXX Tape data value XXX but does appear on the XXX.. |
| 250000497 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Audit value captured from the appraisal vs. Tape Data matches sales agreement. |
| 250000497 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Audit value captured from the credit report dated XXX. |
| 250000501 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Loan amount $XXX/ value XXX = XXX% LTV |
| 250000501 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Loan amount $XXX/ value XXX = XXX% CLTV |
| 250000501 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Subject property is XXX per the appraisal report in file. |
| 250000503 | XXXXX |  | XXX | Borrower 1 SSN | the1003Page | XXX | XXX | The F1003 & credit report confirm the borrower's SS#. Tape value appears to just be a transposition of the middle XXX #s. |
| 250000511 | XXXXX |  | XXX | Occupancy | the1003Page | XXX | XXX | Per LOX, borr is continuing to rent primary until subject renovations are complete, then subject will be O/O. |
| 250000515 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | per Final CD |
| 250000517 | XXXXX |  | XXX | Sales Price | propertyValuationPage | XXX | XXX | Final XXX of XXX |
| 250000517 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is a PUD per the mortgage and appraisal. |
| 250000521 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX is XXX per the appraisal report. Tape data is showing the purchase price of XXX |
| 250000523 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Appraised value XXX |
| 250000523 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Subject is XXX per appraisal |
| 250000523 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Bank Statement program |
| 250000527 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | The True Data was verified to be accurate with the appraisal. |
| 250000529 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | CLTV is XXX% which also matches up with lender's CLTV on the XXX Tape data appears to be using an older LTV calculation not the final one. |
| 250000529 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | LTV is XXX% which also matches up with lender's LTV on the XXX Tape data appears to be using an older LTV calculation not the final one. |
| 250000531 | XXXXX |  | XXX | Amortization Term | notePage | XXX | XXX | Amortization is XXX months per the executed Note in file. |
| 250000531 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Lowest Midscore per both borrowers is XXX per the credit report in file. |
| 250000531 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject property is a PUD per the appraisal in file. |
| 250000533 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Appraisal supports value of $XXX vs PP of $XXX. |
| 250000533 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit CLTV XXX% matches the lender's final XXX Tape data value XXX. |
| 250000533 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit LTV XXX% matches the lender's final XXX Tape data value XXX. |
| 250000539 | XXXXX |  | XXX | Prepayment Penalty Total Term | notePage | XXX | XXX | There is no XXX per the Note, and no XXX addendum/rider was in the loan package. |
| 250000547 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | The True Data was verified to be accurate with the appraisal. |
| 250000547 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | The True Data was verified to be accurate with a manual calculation of the loan amount XXX / the appraised value XXX = XXX% |
| 250000547 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | The True Data was verified to be accurate with a manual calculation of the loan amount XXX / the appraised value XXX = XXX% |
| 250000547 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | The borrower received a few hundred dollars at closing so this is a limited cash out transaction. |
| 250000547 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | This loan is actually an asset utilization loan which is alt doc. |
| 250000549 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | The Appraisal and Mortgage confirm the subject is a PUD. |
| 250000551 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Per appraisal report, subject XXX was XXX |
| 250000561 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | XXX is the highest wage earner mid score. XXX is the lowest middle score for all XXX borrowers. |
| 250000563 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | The True Data was verified to be accurate with the final XXX appraised value, loan amount and a manual calculation. |
| 250000563 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | The True Data was verified to be accurate with the final XXX appraised value, loan amount and a manual calculation. |
| 250000563 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | The True Data was verified to be accurate with the appraisal. |
| 250000563 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | The True Data was verified to be accurate with the final CD. |
| 250000565 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Per appraisal report, subject XXX was XXX |
| 250000573 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Escrows are indicated per the final CD in file. |
| 250000575 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Subject is an XXX condo per appraisal |
| 250000577 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Per Income Calculation. |
| 250000579 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Audit verified the XXX of XXX on the Appraisal document. |
| 250000589 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | XXX per appraisal |
| 250000591 | XXXXX |  | XXX | Property City | notePage | XXX | XXX | XXX name verified via the note and appraisal. |
| 250000591 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit CLTV of XXX% matches the lender's final XXX CLTV of XXX%. |
| 250000591 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit LTV of XXX% matches the lender's final XXX LTV of XXX%. |
| 250000591 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Borrower paid off tax lien of XXX at closing. |
| 250000593 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Per appraisal report, subject property is a PUD |
| 250000595 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Verified to appraised value vs. purchase price. |
| 250000599 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | As per two appraised values. |
| 250000599 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Matches the Lender's amount on XXX |
| 250000599 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Matches the Lender's amount on XXX |
| 250000601 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | XXX Month Bank Statement program per data in file |
| 250000603 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Per closing disclosure this mortgage is impounded. |
| 250000605 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | reviewed the final closing disclosure and this is an impounded loan. |
| 250000607 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Two appraisals provided from the same appraiser lower value used XXX |
| 250000607 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit LTV of XXX% due to lower of the two appraised value of XXX was used. |
| 250000607 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit CLTV of XXX% due to lower of the two appraised value of XXX was used. |
| 250000609 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Asset Depletion is used to qualify. |
| 250000611 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Per appraisal report, subject XXX was XXX |
| 250000613 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Value of XXX verified per Per appraisal in file/XXX |
| 250000613 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | CLTV XXX per appraisal per monthrtgage balance |
| 250000613 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | LTV XXX per appraisal per monthrtgage balance |
| 250000613 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | NO cash out refinance per XXX |
| 250000615 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX per appraisal in file is XXX |
| 250000615 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Loan amount $XXX/ value XXX = XXX% CLTV |
| 250000615 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Loan amount $XXX/ value XXX = XXX% LTV |
| 250000615 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Documentation in file is Bank Statements XXX Mo Personal. |
| 250000627 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Limited cash out per XXX |
| 250000631 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Per final XXX LTV was XXX% |
| 250000631 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Per final XXX CLTV was XXX% |
| 250000631 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Per settlement Statement, borrower received limited cash back. |
| 250000639 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Per credit report and final XXX the qualifying credit score was XXX |
| 250000639 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Per final CD, an escrow account was not established |
| 250000643 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Appraised value is XXX per appraisal report dated XX/XX/XXXX |
| 250000645 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Confirmed cash out with CD XXX |
| 250000647 | XXXXX |  | XXX | Interest Rate | notePage | XXX | XXX | XXX of XXX verified via the note. |
| 250000651 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | The borrower's mid credit score is XXX while the co-borrower's mid score is XXX |
| 250000653 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit CLTV of XXX% matches the lender's final XXX CLTV of XXX%. |
| 250000653 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit LTV of XXX% matches the lender's final XXX LTV of XXX%. |
| 250000657 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Verified to appraised value vs. purchase price. |
| 250000661 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Per appraisal report, subject property is XXX. |
| 250000665 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX is value per appraisal and desktop appraisal. XXX is purchase price. |
| 250000667 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | XXX month business bank Statement program |
| 250000669 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Audit verified XXX refinance on the XXX |
| 250000673 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Loan has escrows per final settlement Statement |
| 250000685 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Audit verified the XXX of XXX on the Appraisal document. |
| 250000685 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Audit verified the FICO score of XXX on the Credit report dated XXX/XXX/XXX. |
| 250000685 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit's LTV of XXX matches the Lender's LTV of XXX listed on the XXX |
| 250000685 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit's CLTV of XXX matches the Lender's CLTV of XXX listed on the XXX |
| 250000687 | XXXXX |  | XXX | Prepayment Penalty Total Term | notePage | XXX | XXX | There is not prepayment on this file see page XXX |
| 250000689 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | True data matches XXX |
| 250000693 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Audit verified XXX, per appraisal, is XXX Tape data value is XXX. |
| 250000693 | XXXXX |  | XXX | Sales Price | propertyValuationPage | XXX | XXX | Audit verifies XXX per contract and Final CD. Tape date value is XXX. |
| 250000693 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Loan amount XXX divided by XXX is XXX% LTV. Tape data value is XXX. |
| 250000693 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Loan amount XXX divided by XXX is XXX% CLTV. Tape data value is XXX. |
| 250000697 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audited CLTV is XXX% which matches lender's final XXX Appears tape data has an earlier calculation. |
| 250000697 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audited LTV is XXX% which matches lender's final XXX Appears tape data has an earlier calculation. |
| 250000705 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Per documentation in the file, XXX months business bank Statements were used to qualify. Tape data value is XXX. |
| 250000707 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | True data is confirmed mid score on credit report provided. |
| 250000707 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | LTV confirmed as XXX% |
| 250000707 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | LTV confirmed as XXX% |
| 250000707 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | XXX income used to qualify is based on XXX month bank Statements. |
| 250000715 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | reviewed the appraisal value and the loan amount |
| 250000715 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | reviewed the appraisal value and the loan amount it's XXX% |
| 250000715 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | this is delayed financing hence XXX |
| 250000717 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | XXX per appraisal |
| 250000719 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Property is XXX per the appraisal in file. |
| 250000729 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Confirmed the XXX of XXX as per the property appraisal |
| 250000729 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Confirmed XXX as a PUD as per the Deed of Trust and property appraisal |
| 250000731 | XXXXX |  | XXX | Prepayment Penalty Total Term | notePage | XXX | XXX | Note and mortgage show no XXX. |
| 250000733 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Per appraisal report, subject XXX was XXX |
| 250000735 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | XXX loan amount, XXX appraisal equals XXX pct. |
| 250000735 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | XXX loan amount, XXX appraisal equals XXX pct. |
| 250000737 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Property is XXX per the appraisal report. |
| 250000739 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Settlement Statement is missing however the first payment letter and the loan disbursement instructions both show escrows are included. |
| 250000741 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Appraisal value if XXX is XXX |
| 250000741 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Loan is BankStatements12MoBusiness |
| 250000751 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX confirmed using appraisal report, tape data reflects XXX. |
| 250000753 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Appraisal value is $XXX. XXX is $XXX. |
| 250000761 | XXXXX |  | XXX | Amortization Term | notePage | XXX | XXX | The loan term is XXX months, consisting of XXX months interest-only followed by XXX months amortization. |
| 250000761 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX verified per appraisal |
| 250000763 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Appraised value is $XXX. XXX is $XXX. |
| 250000767 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Loan amount XXX / value XXX = XXX % CLTV |
| 250000767 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Loan amount XXX / value XXX = XXX % LTV |
| 250000767 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Per final CD the borrower received cash proceeds therefore is it a limited cash out refinance. |
| 250000769 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Updated as per Bank Statement |
| 250000771 | XXXXX |  | XXX | Amortization Term | notePage | XXX | XXX | True data shows the full loan term, while the tape data shows only the XXX, excluding the interest-only period. |
| 250000775 | XXXXX |  | XXX | Amortization Term | notePage | XXX | XXX | The loan term is XXX years (XXX months) with a XXX-year interest-only period. |
| 250000777 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Audit XXX captured from the appraisal which reflects the subject is a semi-XXX XX/XX/XXXX XXX, considered XXX property per lender directive. |
| 250000785 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Property is XXX per the appraisal in file. |
| 250000787 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX per appraisal in file is XXX |
| 250000787 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Loan Amount $XXX/ value XXX = XXX% CLTV. |
| 250000787 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Loan Amount $XXX/ value XXX = XXX% LTV. |
| 250000789 | XXXXX |  | XXX | Property City | notePage | XXX | XXX | Address verified per Note in file. One and the same |
| 250000789 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Loan verified as escrowed per CD and first payment letter |
| 250000793 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Matches true data - Confirmed with Appraisal. |
| 250000795 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Audit verified the XXX of XXX on the Appraisal document. |
| 250000795 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit's LTV of XX/XX/XXXX matches the Lender's LTV of XX/XX/XXXX on the XXX |
| 250000795 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit's CLTV of XX/XX/XXXX matches the Lender's CLTV of XX/XX/XXXX on the XXX |
| 250000795 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Audi verified the XXX of XXX on the XXX |
| 250000797 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit CLTV of XXX% matches the lender's final XXX CLTV of XXX%. |
| 250000797 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit LTV of XXX% matches the lender's final XXX LTV of XXX%. |
| 250000799 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Mid score confirmed by credit report XXX |
| 250000809 | XXXXX |  | XXX | Sales Price | closingDetailsNonCompliancePage | XXX | XXX | XXX was not used to determine appraised value. Value was $XXX less than most recent appraisal |
| 250000809 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | XXX verified as one and the same |
| 250000813 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Verified HOI only being escrowed per final CD |
| 250000817 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | The bank Statements used to qualify are for a business checking account. |
| 250000819 | XXXXX |  | XXX | Prepayment Penalty Total Term | notePage | XXX | XXX | There is no prepayment per the Execute Note or Deed of Trust in file. |
| 250000825 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX per appraisal is XXX |
| 250000831 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Taxes and insurance are both in escrow account per the final closing disclosure. |
| 250000833 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | XXX of Yes is correct as per final CD. |
| 250000835 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX is XXX per the appraisal report. |
| 250000835 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audited Qualifying CLTV is XXX% and matches the lender's final XXX Appears tape data is showing an earlier/not final calculation. |
| 250000835 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audited Qualifying LTV isXXX% and matches the lender's final XXX Appears tape data is showing an earlier/not final calculation. |
| 250000839 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Borrowers receiving XXX cash at closing. |
| 250000843 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Per appraisal report, subject property is XXX. |
| 250000847 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Per appraisal report, subject property is XXX |
| 250000855 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Per appraisal report, subject XXX was XXX |
| 250000859 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Per the appraisal report, the XXX is XXX Tape data is showing the prior purchase price of XXX which is being used for the LTV calculation. |
| 250000861 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Verified to appraised value vs. purchase price. |
| 250000865 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Refinance is No cash out per the XXX in file. |
| 250000865 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Escrow is indicated per the final CD in file. |
| 250000877 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Audit value captured from the appraisal vs. tape value is purchase price. |
| 250000881 | XXXXX |  | XXX | Interest Rate | notePage | XXX | XXX | XXX per the Execute note is XXX% |
| 250000881 | XXXXX |  | XXX | Property Zip Code | notePage | XXX | XXX | XXX per the Execute note is XXX |
| 250000881 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX per teh appraisal in file is XXX |
| 250000881 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Loan Amount XXX / value $XXX= XXX% CLTV |
| 250000881 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Loan Amount XXX / value $XXX=XXX% LTV |
| 250000881 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Refinance type per the XXX in file is XXX. |
| 250000883 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX per appraisal XXX |
| 250000883 | XXXXX |  | XXX | Sales Price | propertyValuationPage | XXX | XXX | XXX per the purchase contract in file is XXX |
| 250000889 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX per appraisal |
| 250000889 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Audit value captured from the final CD which reflects tax and insurance are escrowed. |
| 250000895 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX per teh appraisal in file is XXX |
| 250000895 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Loan Amount XXX / value XXX - XXX% CLTV. |
| 250000895 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Property is XXX per the appraisal in file. |
| 250000895 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Loan Amount XXX / value XXX - XXX% LTV. |
| 250000897 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Loan Amount XXX / value XXX = XXX% LTV |
| 250000897 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Loan Amount XXX / value XXX = XXX% CLTV |
| 250000897 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | XXX is a Limited cash out per the XXX in file. |
| 250000901 | XXXXX |  | XXX | Sales Price | propertyValuationPage | XXX | XXX | XXX per the purchase contract in file is XXX |
| 250000903 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Appraisal value per appraisal in file is XXX |
| 250000907 | XXXXX |  | XXX | Sales Price | propertyValuationPage | XXX | XXX | Verified to purchase price vs. appraised value. |
| 250000907 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Audit CLTV of XXX% matches the lender's final XXX CLTV of XXX%. |
| 250000907 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit LTV of XXX% matches the lender's final XXX LTV of XXX%. |
| 250000909 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Bank Statements in file is Bank Statements XXX Mo Personal |
| 250000917 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Verified to appraised value vs. purchase price. |
| 250000919 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX verified per appraisal in file. pg XXX |
| 250000921 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Property verified as a PUD per appraisal |
| 250000925 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Final CD shows cash back to borrower exceeding XXX hence loan is a Cash out Refinance. |
| 250000929 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Verified to appraised value vs. purchase price. |
| 250000933 | XXXXX |  | XXX | Prepayment Penalty Total Term | notePage | XXX | XXX | No XXX |
| 250000933 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Confirmed the subject property as a PUD as per the appraisal report |
| 250000939 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | FCD confirms borrower is bringing in cash to close. |
| 250000941 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Confirmed the XXX of XXX |
| 250000941 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Confirmed the subject property is located in a PUD. |
| 250000943 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Appraisal States PUD |
| 250000945 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Confirmed refi purpose as C/O as per the lock confirmation |
| 250000957 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | XXX was confirmed with Final CD |
| 250000959 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | The Auditor has confirm escrowed |
| 250000967 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Property is PUD XXX. Updated as per given Appraisal. |
| 250000973 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX confirmed using Appraisal Report. |
| 250000973 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | XXX confirmed using value and loan amount. |
| 250000973 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | XXX confirmed using value and loan amount. |
| 250000975 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | confirmed CLTV $XXX/XXX=XXX% |
| 250000975 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | confirmed LTV $XXX/XXX=XXX% |
| 250000975 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | confirmed loan is Limited cashout based on guidelines with borrower receiving less than XXX% of loan amount |
| 250000979 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX is correct as per appraised and desktop analysis value. |
| 250000979 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | XXX is correct based on new loan amount and appraised value. |
| 250000979 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | XXX is correct based on new loan amount and appraised value. |
| 250000981 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Borrowers received limited cash out per the final closing disclosure. |
| 250000987 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX is correct as per full appraisal provided. |
| 250000987 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Qualifying FICO is correct as per the credit report in file and based on the lower middle score. |
| 250000987 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | XXX is correct based on new loan amount and appraised value. |
| 250000987 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | XXX is correct based on new loan amount and appraised value. |
| 250000987 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | XXX is correct as a XXX SFR PUD as per appraisal and title work. |
| 250000991 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Per appraisal report, subject XXX was XXX |
| 250000997 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Audit XXX captured from the appraisal vs. tape value is the purchase price. |
| 250001001 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | True data is correct, per appraisal |
| 250001005 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX confirmed using appraisal report, tape data reflects sale price. |
| 250001005 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | XXX confirmed using XXX of XXX and Loan amount XXX Tape data using XXX and loan amount of XXX |
| 250001005 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | XXX confirmed using XXX of XXX and Loan amount XXX Tape data using XXX and loan amount of XXX |
| 250001007 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | PUD verified per appraisal and final mortgage in file |
| 250001011 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Verified LTV XXX% using subject loan $XXX divided by CDA Desk Review value of XXX Tape appears to reflect LTV derived from an estimated value of XXX against a proposed loan amount of XXX per the initial 1003 in the file. |
| 250001011 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Verified CLTV XXX% using lower value per the Collateral Desktop Analysis Desk Review at XXX Value from original appraisal was XXX Initial 1003 Stated value of XXX and a proposed loan amount of XXX or XXX% LTV/CLTV. |
| 250001015 | XXXXX |  | XXX | Sales Price | finalCdDetailPage | XXX | XXX | Refinance transaction, XXX is N/A |
| 250001017 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Subject was appraised at $XXX. |
| 250001019 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | XXX confirmed using appraisal value XXX and loan amount XXX |
| 250001019 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | XXX confirmed using appraisal value XXX and loan amount XXX |
| 250001019 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | XXX Limit XXX. |
| 250001021 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Per final CD, borrower received limited cash back |
| 250001023 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX per Appraisal and XXX |
| 250001023 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Median FICO is XXX per credit report. |
| 250001025 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subjectproperty is a pud, per appraisal and pud rider |
| 250001027 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Per appraisal report, subject XXX was XXX |
| 250001027 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Per documentation in the file, LTV was XXX%. XXX shows XXX% but is has the wrong loan amount. |
| 250001027 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Per documentation in the file, CLTV was XXX%. XXX shows XXX% but is has the wrong loan amount. |
| 250001029 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Acceptable. Loan is No Cash Out. |
| 250001031 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | True data reflects that there is no escrow on the loan. |
| 250001033 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Confirmed no cash out. |
| 250001037 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX Confirmed on the Appraisal Report, value came in at XXX |
| 250001037 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | XXX Confirmed on the XXX |
| 250001037 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | XXX Confirmed on the XXX |
| 250001037 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Loan is XXX months bank Statements. |
| 250001039 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | XXX updated as per Appraisal doc. |
| 250001041 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | XXX Confirmed on the Appraisal Report |
| 250001043 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX Updated XXX as per appraisal report |
| 250001043 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Qualifying FICO updated XXX as per credit report |
| 250001045 | XXXXX |  | XXX | Property City | notePage | XXX | XXX | City name of XXX Captured as per Note |
| 250001047 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Audit middle credit score captured from the credit report dated XXX. |
| 250001047 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Audit XXX captured from the appraisal. |
| 250001049 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX verified from only appraisal in file. |
| 250001053 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Audit Data value captured from the appraisal. XXX Tape value. |
| 250001057 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Cash back to borrower per final CD in file, hence this is a limited cash out refinance. |
| 250001063 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX using appraisal report. |
| 250001063 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | XXX Confirmed using XXX |
| 250001063 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | XXX Confirmed using XXX |
| 250001063 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | XXX confirmed using final closing disclosure. |
| 250001067 | XXXXX |  | XXX | Sales Price | closingDetailsNonCompliancePage | XXX | XXX | There is no XXX as this is a refinance not a purchase. |
| 250001071 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Per the appraisal the subject property is XXX. |
| 250001075 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | XXX per appraisal in file is XXX |
| 250001081 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Property valeu per appraisal in file is XXX |
| 250001081 | XXXXX |  | XXX | Borrower 1 SSN | the1003Page | XXX | XXX | B1 SSN ending #per credit report is XXX |
| 250001081 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Per appraisal report, subject property is a PUD |
| 250001083 | XXXXX |  | XXX | Property Value | propertyValuationPage | $XXX | $XXX | Per appraisal report, subject XXX was XXX |
| 250001083 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Per appraisal report, subject property is a PUD |
| 250001087 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Subject is XXX per appraisal. |
| 250001089 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Audit verified that Escrow for taxes and insurance are indicated on the final CD document. |
| 250001099 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | File submitted as a no cash out refinance per the XXX but final closing disclosure reflects borrower receiving XXX at closing. |
| 250001103 |  |  |  | Note Date |  | XX/XX/XXXX | XX/XX/XXXX | Note reflects XX/XX/XXXX |
| 250001103 |  |  |  | Prepayment Penalty |  | XXX | XXX | Note reflects no XXX |

---

## Exhibit 99.16

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial 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)** |
| 250000001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000003 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000003 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000003 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000005 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/15/2025 | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| 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 XX% is less than Guideline LTV of XX%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000005 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/15/2025 | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| 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 XX% is less than Guideline LTV of XX%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000005 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/15/2025 | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| 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 XX% is less than Guideline LTV of XX%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000007 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/16/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The loan file contained the XXX UCDP; however, the CU score was XXX. |  |  | CDA provided, exception resolved. ; Third party valuation product provided within tolerance.; Document Uploaded. | 08/25/2025 | 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.<br> D<br> A<br> C | B | A<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> A | A | A | A | A | A |
| 250000007 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/17/2025 | Resolved | FCRE1241 | Credit | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing |  |  | Document Uploaded. Purchase contract provided, exception resolved. ; Purchase Contract Doc is not Missing, or is XXX. | 08/25/2025 | 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.<br> D<br> A<br> C | B | A<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> A | A | A | A | A | A |
| 250000007 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/16/2025 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing The loan file is missing the title. |  |  | Document Uploaded. Title provided, exception resolved. ; Title Document is fully Present | 07/29/2025 | 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 XXX years on job.<br> D<br> A<br> C | B | A<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> A | A | A | A | A | A |
| 250000007 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/16/2025 | Resolved | FCRE1180 | Credit | HO-6 Insurance Policy is Missing | HO-X Insurance Policy is Missing The loan file is missing the HO-X Insurance Policy. |  |  | Document Uploaded. Policy provided, exception resolved. ; HO-X Insurance Policy is fully present | 07/29/2025 | 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 XXX years on job.<br> D<br> A<br> C | B | A<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> A | A | A | A | A | A |
| 250000007 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/16/2025 | Resolved | FCRE1173 | Credit | HO6 Master Insurance Policy is Missing | Missing HO-X Master Insurance Policy The loan file is missing the HO-X Insurance Policy. |  |  | Document Uploaded. Policy provided, exception resolved. ; HO-X Master Insurance Policy is fully present | 07/29/2025 | 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 XXX years on job.<br> D<br> A<br> C | B | A<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> A | A | A | A | A | A |
| 250000007 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/16/2025 | Resolved | FCRE1161 | Credit | Flood Certificate Missing | Missing Flood Certificate The loan file is missing the Flood Certificate. |  |  | Flood cert provided, exception resolved. ; Flood Certificate is fully present; Document Uploaded. | 07/29/2025 | 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 XXX years on job.<br> D<br> A<br> C | B | A<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> A | A | A | A | A | A |
| 250000007 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/16/2025 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. The loan file is missing the XXX and/or the loan approval. |  |  | Document Uploaded. XXX provided, exception resolved. ; Approval/Underwriting Summary is fully present | 07/29/2025 | 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 XXX years on job.<br> D<br> A<br> C | B | A<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> A | A | A | A | A | A |
| 250000007 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/16/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report The loan file is missing the Fraud Report |  |  | Document Uploaded. Fraud report provided, exception resolved. ; Third Party Fraud Report is provided | 07/29/2025 | 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 XXX years on job.<br> D<br> A<br> C | B | A<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> A | A | A | A | A | A |
| 250000007 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/17/2025 | 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. (XX CFR XXX(a)(XXX)). Documentation required: Provide evidence a copy of the appraisal was provided to the borrower at least XXX business days prior to consummation or evidence borrower waived rights. | 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. (XX CFR XXX(a)(XXX)). Documentation required: Provide evidence a copy of the appraisal was provided to the borrower at least XXX business days prior to consummation or evidence borrower waived rights. |  | Evidence of appraisal delivery provided.; Document Uploaded. | 07/29/2025 | 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 XXX years on job.<br> D<br> A<br> B<br> C | B | A<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> A | A | A | A | A | A |
| 250000009 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/11/2025 | Resolved | FCRE8506 | Credit | Application Profile Missing | Missing borrower contact consent form. | ; Documentation received, XXX to review.; Document Uploaded. ; | 09/25/2025 | Consent form provided, exception resolved. | 09/25/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| 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 XX.XX% is less than Guideline CLTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000011 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/18/2025 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000011 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/18/2025 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000013 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/23/2025 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000013 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/23/2025 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000013 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/23/2025 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000015 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000015 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000017 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000017 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000019 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/30/2025 | 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000019 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000021 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/07/2025 | 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% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000021 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/07/2025 | 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% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000021 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/07/2025 | 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% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000023 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/14/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000023 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/14/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000025 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report GLs require a Fraud Report for DSCR loans. |  |  | Fraud report provided, exception resolved. ; Third Party Fraud Report is provided; Document Uploaded. | 10/23/2025 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000025 |  | 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. |  |  | Informational | 10/21/2025 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000025 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/21/2025 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000027 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Resolved | FCRE1482 | Credit | Asset 4 Does Not Meet Guideline Requirements | Asset X Does Not Meet Guideline Requirements Borrowers received XXX in gift funds, however missing evidence of donor's funds. XXX Expanded vXX guidelines require gift to be verified via donor's check and the borrower's deposit slip; donor's check to the closing agent or settlement Statement/CD showing receipt of the donor's check. | ; Document Uploaded. Document received. In XXX review. ; | 10/29/2025 | Asset X Meets Guideline Requirements Or XXX | 04/10/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000027 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Waived | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Two full months of asset verification is required for XXX Expanded program. File contains one month of Statements from all sources | ; | 10/29/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) borrower has XXX years with same employer XXX) XXX FICO XXX) XXX% LTV | 10/29/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000027 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Resolved | FCOM2137 | Compliance | Lender did not provide ATR/QM Status Determination | Lender did not provide ATR/QM Status Determination. Missing XXX report. | ; Document Uploaded. Document received. In XXX review. ; | 10/29/2025 |  | 10/29/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000027 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Waived | 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 is dated post close XX/XX/XXXX and loan closed / disbursed XX/XX/XXXX. | ; | 10/29/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) borrower has XXX years with same employer XXX) XXX FICO XXX) XXX% LTV | 10/29/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000027 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Waived | FCRE0376 | Credit | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Borrower has two tradelines that were open XX/XX/XXXX opened < XXX months required by guidelines. XXX Expanded vXX guidelines require non-permanent resident aliens to meet the credit tradeline requirements (no exceptions). Tradeline requirements minimum two XXX tradelines are required. Two tradelines must be open for XXX months and active within the most recent XXX months or XXX tradelines reporting XXX months recent activity. | ; | 10/29/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) borrower has XXX years with same employer XXX) XXX FICO XXX) XXX% LTV | 10/29/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000027 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Waived | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. XXX Expanded vXX guidelines require most recent XXX months rental history. Missing VOR. | ; | 10/29/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) borrower has XXX years with same employer XXX) XXX FICO XXX) XXX% LTV | 10/29/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000027 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines File contains copy of check dated XX/XX/XXXX from XXX for XXX in which it States "Pay Salary". The employer listed on the Final XXXX does not match the business name listed on the check and business is not listed on the Final XXXX. Lender used WVOE for income qualification. There's a discrepancy between the WVOE and paystub (check) provided. Provide clarification for having a check from a different employer not listed on the Final XXXX. Also provide income documentation for XXX. | ; Document Uploaded. Document received. In XXX review. ; Seller to address discrepancy | 10/29/2025 | Income and Employment Meet Guidelines | 10/29/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000027 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Waived | FCRE3500 | Credit | Borrower residency documentation not provided or issue with documentation | XXX Expanded vXX guidelines require history of one Visa renewal for Non-Permanent Resident Aliens. Loan file contains Visa issued in XXX with expiration in XXX | XXX Expanded vXX guidelines require history of one Visa renewal for Non-Permanent Resident Aliens. Loan file contains Visa issued in XXX with expiration in XXX | 10/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) borrower has XXX years with same employer XXX) XXX FICO XXX) XXX% LTV | 10/24/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000027 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Waived | FCRE8201 | Credit | Loan does not conform to program guidelines | XXX Expanded Guidelines vXX State no first time homebuyers on Written VOE alt doc type. Borrower is first time homebuyer on WVOE alt doc type. |  | 10/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) borrower has XXX years with same employer XXX) XXX FICO XXX) XXX% LTV | 10/24/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000029 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/20/2025 | Resolved | FCOM2137 | Compliance | Lender did not provide ATR/QM Status Determination | Missing XXX report. Lender did not provide ATR/QM Status Determination. | ; ; In XXX Review. Follow up email to DD firm to clear or provide update. ; ; Document Uploaded. Document received. In XXX review. ; | 11/03/2025 | Lender XXX Report provided. | 11/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| 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 XX% is less than Guideline CLTV of XX% \| 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.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000029 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/20/2025 | Waived | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing two months bank Statements with deposits matching current employer and WVOE to completed on FNMA form XXX required per XXX Expanded program. File missing bank Statements. Also missing evidence borrower owns "XXX" who is listed as the rental property XXX on the lease for XXX (XXX). | ; | 11/03/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) XXX% DTI XXX) XXX FICO XXX) XXX% LTV | 11/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| 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 XX% is less than Guideline CLTV of XX% \| 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.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000029 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/20/2025 | Waived | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Two full months of asset verification is required for XXX Expanded program. File contains one month of Statements from all sources. | ; | 11/03/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) XXX% DTI XXX) XXX FICO XXX) XXX% LTV | 11/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| 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 XX% is less than Guideline CLTV of XX% \| 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.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000029 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/20/2025 | Waived | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower X Xrd Party VOE Prior to Close Missing XXX Expanded vXX guidelines require verbal verification of employment (VVOE) performed no more than XXX business days prior to the XXX. Missing Xrd party VVOE. | ; | 11/03/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) XXX% DTI XXX) XXX FICO XXX) XXX% LTV | 11/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| 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 XX% is less than Guideline CLTV of XX% \| 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.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000031 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/21/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report File does not contain a Fraud Report. GLs are quiet on this. |  |  | Fraud report provided, exception resolved. ; Third Party Fraud Report is provided; Document Uploaded. | 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 XXX years on job.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000031 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/21/2025 | Acknowledged | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Both the Loan Approval and AUS in file require evidence the borrower's previous XXX was sold (supporting omission of PITI) and evidence of the new PITIA for the borrower's new XXX. Lender did provide purchase contract and XXX for new primary; however, Lender to provide Final CDs for both properties in question, reflecting closed sale and purchase, and documentation supporting new primary PITIA of XXX per month. | Both the Loan Approval and AUS in file require evidence the borrower's previous XXX was sold (supporting omission of PITI) and evidence of the new PITIA for the borrower's new XXX. Lender did provide purchase contract and XXX for new primary; however, Lender to provide Final CDs for both properties in question, reflecting closed sale and purchase, and documentation supporting new primary PITIA of XXX per month. |  | Lender exception provided for Requesting omission of current XXX or new XXX in contract. Borrower current primary is listed for sale but not in contract. Borrower is in contract to purchase a new XXX which is contingent on the sale of the current XXX. Proceeds from the sale of the current XXX are also required in order to close on the new property. Borrower is in contract for new property but does not yet own the property. Request is to qualify based on the higher payment for primary housing. Comp factors: Exception credit rating, stable employment history, FICO greater than product requirement, XXX x amount of reserves. | 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 XXX years on job.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000031 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000031 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000033 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000033 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000033 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000035 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/27/2025 | Waived | 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. (XX CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | ; | 10/28/2025 | Client accepts and acknowledges EVX/B finding. Per client request, waiving for B grade. | 10/28/2025 | 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.<br> C<br> B<br> A | B | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000035 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/24/2025 | Waived | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Per XXX vXX, Two months personal bank Statements are required to support the WVOE – Deposits must match current employer. Bank Statements in the file do not show any deposits from current employer. No First Time Homebuyers for WVOE program. | Income and Employment Do Not Meet Guidelines Per XXX vXX, Two months personal bank Statements are required to support the WVOE – Deposits must match current employer. Bank Statements in the file do not show any deposits from current employer. No First Time Homebuyers for WVOE program. | 10/28/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) XXX FICO XXX) XX% LTV XXX) borrower has been on same job XXX years. | 10/28/2025 | 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.<br> C<br> B<br> A | B | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000035 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/24/2025 | Waived | FCRE0376 | Credit | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Per XXX vXX, Minimum two XXX tradelines are required. The following requirements apply: Two XXX tradelines must be open for XXX XXX months and active within the most recent XXX (XXX onths or Three XXX tradelines reporting XXX XXX months recent activity. Borrower had XXX current accounts with the longest reporting XXX months and the other XXX months. | ; | 10/28/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) XXX FICO XXX) XX% LTV XXX) borrower has been on same job XXX years. | 10/28/2025 | 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.<br> C<br> B<br> A | B | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000035 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/27/2025 | Waived | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing source of XXX deposit on XX/XX/XXXX to XXX acct #XXX. | ; | 10/28/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) XXX FICO XXX) XX% LTV XXX) borrower has been on same job XXX years. | 10/28/2025 | 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.<br> C<br> B<br> A | B | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000037 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/27/2025 | Rescinded | FCOM1111 | Compliance | Late Charge Grace Period is less than XXX days | Late Charge Grace Period is less than XXX days Late charge grace period disclosed on the note is XXX calendar days. | ; ; Updated note sent for Collateral. DD to review. DD to note verbiage for late charge grace period. States "(unless applicable law requires a longer period of time before a late charge may be imposed, in which event such longer period shall be substituted)"; Under Review with XXX Compliance and DD; | 01/30/2026 | Updating status to rescinded to update grading in XXX system. ; Late Charge Grace Period is less than XXX days; An updated and re-executed Note was provided that contains acceptable late charge verbiage. Finding is resolved. | 01/30/2026 | C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000037 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/27/2025 | Rescinded | FCOM1114 | Compliance | Late Charge Percent is greater than XXX% | Late Charge Percent is greater than XXX% Late charge disclosed on the note is XXX% | ; ; Document Uploaded. Updated note sent for Collateral. DD to review. DD to note verbiage for late charge. State " (unless applicable law requires a lesser amount be charged, in which event such lesser amount shall be substituted)"; Under Review with XXX Compliance and DD; | 01/30/2026 | Updating status to rescinded to update grading in XXX system. ; Late Charge Percent is greater than XXX%; An updated and re-executed Note was provided that contains acceptable late charge verbiage. Finding is resolved. | 01/30/2026 | C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000037 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCRE3000 | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines Borrower's investor experience is within guidelines, but management intentions are not contained in the loan file. | ; Documentation received, XXX to review.; Document Uploaded. ; | 11/06/2025 | Borrower Rental Experience Within Guidelines | 01/30/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| 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 XX% is less than Guideline CLTV of XX%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000037 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCRE8201 | Credit | Loan does not conform to program guidelines | Missing required lease agreement. XXX XXX DSCR refinance requires the subject property have leases in place. A currently active lease with a minimum initial term of XXX months between unrelated parties or a lease with a start date within XXX days of closing date and proof of receipt of security deposit OR executed lease. | ; Documentation received, XXX to review.; Document Uploaded. ; | 11/06/2025 |  | 11/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| 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 XX% is less than Guideline CLTV of XX%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000039 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/29/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing the Verification of Rent. | ; Documentation received, XXX to review.; Document Uploaded. ; | 11/30/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 11/30/2025 | 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.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/29/2025 | Resolved | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Missing XXX months asset Statements for XXX XXX #XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 11/30/2025 | Asset Record XXX Meets G/L Requirements | 11/30/2025 | 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.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/29/2025 | Resolved | FCRE1480 | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Missing XXX months asset Statements for XXX #XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 11/30/2025 | Asset Record XXX Meets G/L Requirements Or XXX | 11/30/2025 | 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.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/29/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing the XXX months bank Statements beginning XXX XXX to XXX XXX for XXX XXX #XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 11/17/2025 | Income and Employment Meet Guidelines | 11/28/2025 | 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.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000043 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Waived | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: XXX DSCR vXX guidelines, If the subject property has been owned for less than XXX XXX months, the LTV/CLTV/HCLTV ratios must be based on the lesser of: XXX The cost basis (defined as the original purchase price plus documented improvements made after the purchase of the property), or XXX The current appraised value of the property. Subject property was purchased on XX/XX/XXXX for XXX and the file does not contain any documented improvements. | ; Please clear condition on exception for B grade. FICO XXX DSCR > XXX Reserves ; | 12/09/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following two XXX compensating factors for this purpose: FICO XXX DSCR > XXX | 12/09/2025 | C<br> B | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000043 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Waived | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. XXX DSCR vXX guidelines require two months of bank Statements to verify assets. File only contains one month of bank Statements for all assets provided | ; ; ; | 12/09/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX DSCR (min XXX); No Mortgage Lates, XXX Fico (min XXX). | 12/09/2025 | C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000043 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Waived | FCRE3000 | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines XXX DSCR vXX guidelines, Experienced Borrower – Eligibility & Documentation Definition: A Borrower is considered an Experienced Borrower if they meet the following criteria: Has owned two XXX or more properties concurrently for a minimum of XXX months within the most recent XXX months; and At least one XXX of the properties must be income-producing (residential or commercial). Borrower has owned XXX (Subject property - XXX) since XX/XX/XXXX, XXX XXX (Primary) since XX/XX/XXXX. Borrower does not meet Experienced Borrower requirements. | ; Please clear condition on exception for B grade. FICO XXX DSCR > XXX Reserves; ; ; ; | 12/09/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following two XXX compensating factors for this purpose: FICO XXX DSCR > XXX ; | 12/09/2025 | C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000043 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Waived | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XX% exceeds Guideline LTV of XX% XXX DSCR vXX guidelines, First Time Investors permitted with a XXX minimum FICO, max LTV is XX%, minimum XXX months reserves. | ; Please clear condition on exception for B grade. FICO XXX DSCR > XXX Reserves; ; Post Close Exception Reviewed by Exception and was unable to be approved. Post Close Exception decline is reflected in correspondent portal. Please advise how to proceed.; ; ; ; Pinged Chris, checking to see if this is to stay in Ready for Review status or move to Open. ; ; ; | 12/09/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following two XXX compensating factors for this purpose: FICO XXX DSCR > XXX ; | 12/09/2025 | C<br> B | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000045 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Waived | FCRE1197 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX Minimum FICO for Purchase with DSCR of XXX is XXX Borrowers' mid-score is XXX | ; ; | 11/07/2025 | Document Uploaded. Per client request, update Qualifying FICO and waive with post-close exception. Client accepts risk for B grade and acknowledges the following comp factors for this purpose: No Mortgage Lates,.XXX DSCR (Min.XXX); XXX Fico (Min XXX); XXX mos PITIA Reserves (XXX mos required experienced investor). Borrower is experienced investor. Borrowers have XXX active mortgage accounts on CR with no mortgage lates. No Derogatory Credit. | 11/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000045 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Waived | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | BX to provide an Inquiry LOX for Inquiry on the credit report dated XXX. BX to provide an Inquiry LOX for Inquiry on the credit report dated XXX. | ; ; ; | 11/07/2025 | Per client request, waive with post-close exception. Client accepts risk for B grade and acknowledges the following comp factors for this purpose: No Mortgage Lates,.XXX DSCR (Min.XXX); XXX Fico (Min XXX); XXX mos PITIA Reserves (XXX mos required experienced investor). Borrower is experienced investor. Borrowers have XXX active mortgage accounts on CR with no mortgage lates. No Derogatory Credit. | 11/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000045 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Resolved | FCRE3000 | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines XXX level of investor experience, and XXX if guideline requirements will be met if BX and BX self-manage the subject property. Borrowers have ownership of XXX or more properties in the recent XXX months, but unable to confirm if at least XXX property is income producing. | ; ; ; | 11/07/2025 | Borrower Rental Experience Within Guidelines; Document Uploaded. | 11/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000047 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000049 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(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 n estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). TILA XXXb 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 Points - Loan Discount Fee, and an increase from XXX to XXX for the Appraisal Fee. This violation can be cured by providing appropriate missing disclosure(s) to accompany COC(s). | ; Documentation received, XXX to review.; Document Uploaded. Revised LE with COC for appraisal fee change. ; ; Documentation received in XXX review.; Document Uploaded. CD XX/XX/XXXX; | 12/08/2025 | Valid COC with applicable LE provided; exception resolved; Valid COC with applicable LE provided; exception resolved; Updated cure amount to XXX the appraisal fee increased without a valid COC. The COC in file didnt contain a reason for the fee to increase ; This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(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 n estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). | 12/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| 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%<br> C<br> B<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000049 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Waived | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Bank Statement Audit reflects excessive NSFs (XXX). More than XXX NSF occurrences in personal or business accounts within the past XXX months will be deemed frequent and require an underwriter's letter of explanation. An investor exception was granted for this instance. Compensating factors include low LTV, XXX payment history and low DTI | ; | 12/08/2025 |  | 12/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| 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%<br> C<br> B<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000049 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XX CFR §XXXX.XX(e)(X)(i) he loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). TILA XXXb 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 Lender's Credit. This violation can be cured by providing appropriate missing disclosure(s) to accompany COC(s). | ; Documentation received in XXX review.; Document Uploaded. CD XX/XX/XXXX; | 11/18/2025 | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| 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%<br> C<br> B<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000049 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required; please provide evidence that the borrower received or acknowledged receipt of an initial CD at least XXX business days prior to consummation. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR §XXXX.XX(f)(X)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXXX.XX(f)(X)(i) no later than three business days before consummation. | ; ; Documentation received in XXX review.; Document Uploaded. ICD and receipt. ; | 11/18/2025 | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| 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%<br> C<br> B<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000051 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower X Photo Identification not provided. Missing BX identification or XXX Patriot Act. The loan file contains XXX separate Patriot Act forms for BX, but nothing for BX. | ; Documentation received in XXX review.; Document Uploaded. ; | 11/18/2025 | Photo Identification provided. | 11/18/2025 | 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<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 250000051 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. Xst e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | ; Documentation received in XXX review.; Document Uploaded. ; ; | 11/15/2025 | Evidence of eConsent is provided. | 11/18/2025 | 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<br> D<br> A<br> B | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 250000053 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/14/2025 | Acknowledged | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Underwriter used XXX% expense factor for calculating XXX months bank Statement income. Guidelines specify that the expense factor cannot be lower than XXX% To use any expense factor lower than XXX% a CPA Letter is required and was not provided. In addition, lender used a combination of XXX months of XXX XXX account XXX and one months of XXX XXX account XXX to determine the monthly qualifying income. Guidelines specify that co-mingling of multiple accounts to generate a full XXX months is not permitted. Audit used XXX months of XXX XXX account XXX and a XXX% expense factor for calculating income of $XXX. | ; Document Uploaded. Document Uploaded. DD to waive for B Grade. Exception Approval XXX with approval to use XXX% expense factor. Please update loan with expense factor approved as well. Fine to proceed with bank Statements provided.; ; NA; XXX exception still in review - Will be cleared if exception granted or comments made by XXX if exception is not able to be made. DD to re-open finding.; ; ; exception ; ; ; ; ; Uploaded; Document Uploaded. Documentation received in XXX review.; | 01/02/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: FICO XXX LTV XXX%, XXX mos reserves; ; ; Guidelines clearly State that if using an expense ratio factor of less then XXX% "CPA/licensed tax preparer must attest that they have Audited the business financial Statements or reviewed working papers provided by the borrower. CPA/licensed tax preparer must attest that they are not related to the borrower or associated with the borrower's business. (Expense factor can never be less than XXX%)". A business narrative may be used to verify the description, nature, size (full-time employees and or XXX) and scope of the business. The underwriter will evaluate the reasonableness of the expenses listed by the borrower, but not to use an expense factor less than XXX% | 01/02/2026 | 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<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000053 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/12/2025 | Acknowledged | FCRE1345 | Credit | Borrower 1 Lease Agreements Missing | Borrower X Lease Agreements Missing Missing current lease agreement for subject property. Appraisal indicates subject property is tenant occupied. | ; ; Document Uploaded. DD Please waive for B Grade. Exception approval XXX for Missing Month to Month Lease.; ; NA; XXX exception still in review - Will be cleared if exception granted or comments made by XXX if exception is not able to be made. DD to re-open finding.; ; exception ; XXX to review for exception. DD to re-open finding.; ; XXX) Appraisal shows it is month to month and per XXX the appraisal is more than XXX so I was using the lower of the two amounts. I do see the condition did not populate on this, so I did not obtain. ; Comment received, in XXX review.; | 01/02/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: FICO XXX LTV XX.XX%, XXX mos reserves; ; ; Month to Month lease agreement required | 01/02/2026 | 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<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000053 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/12/2025 | Acknowledged | FCRE1964 | Credit | Missing income documentation | The CPA Letter provided does not list the expense ratio of XXX% that was used by the lender. Guidelines require a CPA Letter to provide an expense factor to justify using any factor other than XXX% In addition, guidelines specify the expense factor can never be lower than XXX% | ; Document Uploaded. DD to waive for B Grade. Exception Approval XXX with approval to use XXX% expense factor. Please update loan with expense factor approved as well.; ; NA; XXX exception still in review - Will be cleared if exception granted or comments made by XXX if exception is not able to be made. DD to re-open finding.; ; exception; XXX to review for exception. DD to re-open finding.; ; ; Document Uploaded. XXX) Per guidelines, can use business narrative to verify percentage:; Documentation and Comment received in XXX review.; | 01/02/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: FICO XXX LTV XX.XX%, XXX mos reserves; ; ; Guidelines clearly State that if using an expense ratio factor of less then XXX% "CPA/licensed tax preparer must attest that they have Audited the business financial Statements or reviewed working papers provided by the borrower. CPA/licensed tax preparer must attest that they are not related to the borrower or associated with the borrower's business. (Expense factor can never be less than XXX%)". A business narrative may be used to verify the description, nature, size (full-time employees and or XXX) and scope of the business. The underwriter will evaluate the reasonableness of the expenses listed by the borrower, but not to use an expense factor less than XXX% | 01/02/2026 | 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<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000053 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing current Statement or equivalent document verifying mortgage payment for borrower's XXX XXX in the amount of $XXX; per Final XXXX loan has been refinanced to XXX #XXX. If property is not escrowed current Hazard policy and Tax Bill to be provided. Audit used the original mortgage Statements provided for the PITIA of XXX for the primary housing expense monthly. | ; Document Uploaded. Documentation received in XXX review.;. I have pulled the docs and have them XXX here. The Monthly payment amount is actually less than XXX that I was using; | 11/21/2025 |  | 11/21/2025 | 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<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000055 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Provide rent loss coverage for subject property | ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; | 02/02/2026 | Rent Loss Coverage Present; Client provided email from Keith XXX with XXX stating: Yes, the policy has XXX months loss of business income included in the policy. LM Updated.; Client provided Evidence of Commercial Property Insurance reflecting Business Income and Rental Value included. However, Business Income Options States: Extended Number of Days is XXX Days - Included and Business income and extra expense - Revised period of indemnity- Number of Consecutive days - XXX months. however amount not provided to ensure minimum XXX months coverage as required by XXX's guidelines. | 02/02/2026 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000057 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/14/2025 | 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 endorsement provided reflecting sufficient coverage, exception resolved. ; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Document Uploaded. | 11/25/2025 | 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.<br> C<br> A<br> B | C | A<br> C<br> B | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> A | A | A | A | A | A |
| 250000057 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/14/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(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 n estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). TILA XXXb 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 the increase of the discount points fee from XXX to XXX on the CD dated XX/XX/XXXX without valid COC. | This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(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 n estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). TILA XXXb 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 the increase of the discount points fee from XXX to XXX on the CD dated XX/XX/XXXX without valid COC. |  | Revised LE with applicable COC provided; Exception resolved; Revised LE with applicable COC provided; Exception resolved; Document Uploaded. | 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.<br> C<br> A<br> B | C | A<br> C<br> B | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> A | A | A | A | A | A |
| 250000057 |  | 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. |  |  | Informational | 11/18/2025 | 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 XXX years on job.<br> C<br> A<br> B | C | A<br> C<br> B | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> A | A | A | A | A | A |
| 250000059 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/14/2025 | Resolved | finding-4040 | Compliance | Qualified Mortgage APR Threshold Test | This loan failed the qualified mortgage APR threshold test. (XX CFR §XXXX.XX(e)(X)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus X.X%; orThe note amount for a second lien is greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%. Non QM Loan | ; | 11/18/2025 | XXX Expanded vXX allows non-QM for rate spread. Condition is for information only. | 11/18/2025 | 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000061 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing letter of explanation for the XXX credit inquiries within XXX days of the credit report | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/02/2026 |  | 01/02/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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 XXX years on job.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000061 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCRE1764 | Credit | Missing Verification of Mortgage | URLA shows the PITI for XXX REOs (XXX XXX) are lesser than the amount on the mortgage Statement for each property. Missing proof of the updated mortgage payment and HOA if applicable. | ; ; Document Uploaded. ; | 12/11/2025 | Updated XXX XXXX received with property payments. | 12/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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 XXX years on job.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000063 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/18/2025 | Waived | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Credit report dated XXX reflects one inquiry in last XXX days with XXX, missing required LOE to confirm no new debt | ; ; | 11/25/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX DSCR; XXX FICO; XX/XX/XXXX mos Reserves | 11/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000063 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/18/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Although the lien and judgment report reflects no alerts, the XXX reflects "all high fraud alerts addressed." A copy of the seller's fraud report was not provided. Since XXX fraud report only covers certain participants, and the XXX indicates there were high alerts, lender to provide complete fraud report. | ; Documentation received in XXX review.; Document Uploaded. ; ; ; | 11/25/2025 | Third Party Fraud Report is provided | 11/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000065 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/18/2025 | Resolved | FCRE0387 | Credit | Borrower 2 Photo Identification not provided | Borrower X Photo Identification not provided. Borrower X photo identification and/or Patriot Act Disclosure is missing. |  |  | ID provided, exception resolved.; Photo Identification provided.; Document Uploaded. | 11/25/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.X% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.X% is less than Guideline LTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000065 |  | 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. |  |  | Informational | 11/18/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.X% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.X% is less than Guideline LTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000065 |  | 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. |  |  | Informational | 11/18/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.X% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.X% is less than Guideline LTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000067 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2025 | Waived | FCRE1197 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX The subject loan is a DSCR rate/term refinance with a ratio of.XXX. Per XXX DSCR GLs VXX, DSCR ratios below XX/XX/XXXX require a minimum FICO score of XXX | ; Meets Originator guidelines. Waive to grade B with compensating factors. XXX) seasoned investor XXX) owned primary and other XXX XXX years XXX) pays all mortgages on time; ; | 12/01/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) seasoned investor XXX) owned primary and other XXX XXX years XXX) pays all mortgages on time; NO documentation received | 12/01/2025 | D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000067 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2025 | Waived | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXX DSCR GLs VXX require XXX months bank Statements. The file only contains one bank Statement from XXX #XXX dated XX/XX/XXXX-XX/XX/XXXX to verify the assets to cover the CTC and reserve requirement. With an XXX of XX/XX/XXXX, missing Statement dated XX/XX/XXXX. | ; Meets Originator guidelines. Waive to grade B with compensating factors. XXX) seasoned investor XXX) owned primary and other XXX XXX years XXX) pays all mortgages on time; | 12/01/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) seasoned investor XXX) owned primary and other XXX XXX years XXX) pays all mortgages on time; NO documentation received | 12/01/2025 | D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000067 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2025 | Waived | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | The Borrower's credit report dated XXX reflects XXX inquiries in last XXX days + one on gap report dated XXX from subject Lender. File is missing an executed LOX from Borrower, confirming no new credit has been opened. | ; Meets Originator guidelines. Waive to grade B with compensating factors. XXX) seasoned investor XXX) owned primary and other XXX XXX years XXX) pays all mortgages on time; | 12/01/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) seasoned investor XXX) owned primary and other XXX XXX years XXX) pays all mortgages on time; NO documentation received | 12/01/2025 | D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000069 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000071 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 11/20/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X) 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 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. HPML Compliant | ; | 11/24/2025 | Duplicate. | 11/24/2025 | 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%<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 250000071 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 11/20/2025 | Resolved | finding-4033 | Compliance | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (XX CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the XXX is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. The loan is HPML. The file is missing evidence the consumer received a copy of the appraisal XXX business days prior to consummation. | ; | 11/24/2025 | Client allows HPML for this loan program, we have confirmation that the borrower received the appraisal on XX/XX/XXXX, which is more than XXX business days prior to confirmation. HPML requirements are met. Finding is resolved. | 11/24/2025 | 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%<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 250000073 |  | 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. |  |  | Informational | 11/20/2025 | 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000073 |  | 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. |  |  | Informational | 11/20/2025 | 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000073 |  | 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. |  |  | Informational | 11/20/2025 | 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000075 |  | 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. |  |  | Informational | 11/20/2025 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000075 |  | 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. |  |  | Informational | 11/20/2025 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000075 |  | 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. |  |  | Informational | 11/20/2025 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000077 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 11/20/2025 | Waived | FCRE0376 | Credit | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. The credit report reflects BX has XXX open and active tradeline, a closed auth user account and XXX closed accounts. Approved Loan exception in file for less than XXX tradelines based on the following: Low DTI, borrower has XXX other accounts with excess of XXX months reporting, but not active recently and Borrower to have own XXX% into transaction. Conditions and compensating factors met. | ; | 11/21/2025 | Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Low DTI, borrower has XXX other accounts with excess of XXX months reporting, but not active recently and Borrower to have own XXX% into transaction. | 11/21/2025 | 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.<br> C<br> B<br> A | B | A<br> C | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000077 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 11/19/2025 | Resolved | finding-4033 | Compliance | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (XX CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the XXX is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. Duplicate of HPML | ; | 11/21/2025 | Allowed per guidelines. Finding is informational. | 11/21/2025 | 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.<br> C<br> B<br> A | B | A<br> C | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000077 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 11/19/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X) 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 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. HPML Compliant | ; | 11/21/2025 | Allowed per guidelines. Finding is informational. | 11/21/2025 | 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.<br> C<br> B<br> A | B | A<br> C | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000077 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 11/20/2025 | Waived | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Verified assets of XXX vs. $XXX. The final Application reflects account ending XXX with a balance of $XXX. This amount is from an XXX business bank Statement. Audit used a balance of XXX reflected on a more recent bank Statement dated XXX resulting in less assets. XXX minus XXX cash to close = XXX / XXX months reserves < XXX months reserves of XXX ($XXX x XXX) as required per guidelines. Provide additional assets sufficient to cover required reserves. | ; ; ; ; | 11/21/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX% DTI (XXX% max), XXX FICO (min XXX required) XXX years on job. | 11/21/2025 | 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.<br> C<br> B<br> A | B | A<br> C | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000077 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 11/20/2025 | Waived | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Verified Reserves of XXX vs. $XXX. The final Application reflects account ending XXX with a balance of $XXX. This amount is from an XXX business bank Statement. Audit used a balance of XXX reflected on a more recent bank Statement dated XXX resulting in less assets. XXX minus XXX cash to close = XXX < XXX months reserves of XXX ($XXX x XXX) as required per guidelines. Provide additional assets sufficient to cover required reserves. | ; ; | 11/21/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX% DTI (XXX% max), XXX FICO (min XXX required) XXX years on job. | 11/21/2025 | 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.<br> C<br> B<br> A | B | A<br> C | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000079 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Resolved | FCRE3843 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. XXX DSCR vXX guidelines require XXX months reserves for First Time Investors. Borrower is short XXX in reserves. | The required number of months reserves are to be seasoned does not meet Guideline requirement. XXX DSCR vXX guidelines require XXX months reserves for First Time Investors. Borrower is short XXX in reserves. | 11/24/2025 | The required number of months reserves are to be seasoned does meet Guideline requirement. | 04/10/2026 | 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 CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000079 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements XXX DSCR vXX guidelines require housing history reflect XXX. Missing complete XXX months rental payments for borrower's XXX. Resident ledger only verifies months from XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX. Missing rent payments from XX/XX/XXXX - XX/XX/XXXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/19/2025 | Housing History Meets Guideline Requirements | 12/19/2025 | 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 XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000079 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Waived | FCRE3000 | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines Lender exception provided for First Time Investor - borrower renting primary. Borrower rents XXX for XXX / month. Lease and rent ledger provided. Compensating factors: No derog credit, FICO XXX no mortgage late. | ; | 12/19/2025 | Client approved exception for B grade. First Time Investor - borrower renting primary. Borrower rents XXX for XXX / month. Lease and rent ledger provided. Compensating factors: No derog credit, FICO XXX no mortgage late. | 12/19/2025 | 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 XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000079 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Rescinded | 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) XXX DSCR vXX guidelines require XXX months reserves for First Time Investors. Verified assets of XXX - XXX (cash to close) - XXX for monthly XXX account = $XXX. Gift funds are not allowed to be used for reserves. Borrower is short XXX in reserves. | ; ; | 12/19/2025 |  | 12/19/2025 | D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000081 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Lender requires that each file contain a fraud tool to analyze the risk assessment of each borrower, which was not found among the loan documents. Please provide, along with evidence that any and all Red Flags or High Alerts have been cleared. | Missing Third Party Fraud Report Lender requires that each file contain a fraud tool to analyze the risk assessment of each borrower, which was not found among the loan documents. Please provide, along with evidence that any and all Red Flags or High Alerts have been cleared. |  | Fraud report was provided, exception resolved.; Third Party Fraud Report is provided; Document Uploaded. | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000081 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000081 |  | 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. |  |  | Informational | 11/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000083 |  | 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. |  |  | Informational | 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000083 |  | 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. |  |  | Informational | 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000083 |  | 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. |  |  | Informational | 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000085 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/24/2025 | Acknowledged | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines A loan exception was approved for XXX NSFs in XXX & XXX of XXX Seller to meet all other XXX Bank Statement guidelines. Exception allows up to XX% LTV and up to XXX% DTI. Compensating factors: LTV and reserves. | ; Condition in review ; ; ; Exception granted for NSFs for XXX, can you review and waive Exception was reviewed and approved on XX/XX/XXXX for NSFs. Comp factors noted were LTV at XXX% DTI at XXX% XXX FICO and residual income of XXX My approval form noted DTI not to exceed XXX% and max LTV of XX%. Seller requested via email to allow for a max LTV of XX% and a max DTI of XXX%. Because the program allows a DTI up to XXX% and an LTV of XX%, I am fine allowing final DTI of up to XXX% and LTV at XXX%.; Documentation received, XXX to review.; Document Uploaded. ; ; | 12/21/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: Comp Factors: LTV at XXX% DTI at XXX% XXX FICO and residual income of $XXX; Bank Statement provided dated XX/XX/XXXX. NSFs in XXX and XXX would still be outside of guidelines for no NSF in past XXX months. Lender approved exception in file for income documentation provided at review and notated. ; A loan exception was approved for XXX NSFs in XXX & XXX of XXX Seller to meet all other XXX Bank Statement guidelines. Exception allows up to XX% LTV and up to XXX% DTI. Compensating factors: LTV and reserves. | 12/21/2025 | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000085 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/24/2025 | Resolved | FCRE2109 | Credit | Missing Lender Income Calculation Worksheet | The file does contain a Lender Income Calculation Worksheet; however, it does not match the final income used of XXX per month. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/18/2025 | Updated income worksheet provided. | 12/18/2025 | 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 XXX years on job.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000085 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/24/2025 | Resolved | FCRE8506 | Credit | Application Profile Missing | File is missing required Business Narrative for XXX XXX Expanded vXX Bank Statement program. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/10/2025 | Business narrative provided. | 12/10/2025 | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/25/2025 | 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/25/2025 | 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/25/2025 | 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000089 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/24/2025 | Resolved | FCOM1206 | Credit | The Note is Missing | The Note is Missing. File is missing copy of the note for subject property. Please provide. |  |  | The Note is Present.; Document Uploaded. | 12/17/2025 | 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000089 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/25/2025 | 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000089 |  | 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. |  |  | Informational | 11/25/2025 | 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000091 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/02/2025 | 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 XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000091 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/02/2025 | 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 XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000091 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/02/2025 | 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 XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000093 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/26/2025 | Resolved | FCOM1232 | Credit | The Final 1003 is Missing | The Final XXXX is Missing |  |  | Final XXXX was provided, exception resolved. ; The Final XXXX is Present; Document Uploaded. | 12/03/2025 | 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 XXX years on job.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000093 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/02/2025 | 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 XXX years on job.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000093 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/02/2025 | 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 XXX years on job.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000095 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/26/2025 | Resolved | FCRE1157 | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy There is no hazard insurance policy in the file. |  |  | Hazard policy and RCE provided, coverage is sufficient. Exception resolved. ; Hazard Insurance Policy is fully present; Document Uploaded. | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 250000095 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/26/2025 | Resolved | FCRE1161 | Credit | Flood Certificate Missing | Missing Flood Certificate There is no flood certificate in the file |  |  | Flood cert provided, exception resolved. ; Flood Certificate is fully present; Document Uploaded. | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 250000095 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/26/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report The file is missing the Xrd party fraud reports. |  |  | Fraud report provided, exception resolved. ; Third Party Fraud Report is provided; Document Uploaded. | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 250000095 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Resolved | FCRE1241 | Credit | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing |  |  | Purchase contract and addendums were provided, exception resolved. ; Purchase Contract Doc is not Missing, or is XXX.; Document Uploaded. | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 250000095 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/26/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | TPV provided, exception resolved. ; Third party valuation product provided within tolerance.; Document Uploaded. | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 250000095 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 250000097 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/01/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). |  |  | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 12/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.X% is less than Guideline LTV of XX% \| 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 XX.X% is less than Guideline CLTV of XX%<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000097 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/02/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.X% is less than Guideline LTV of XX% \| 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 XX.X% is less than Guideline CLTV of XX%<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000097 |  | 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. |  |  | Informational | 12/02/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.X% is less than Guideline LTV of XX% \| 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 XX.X% is less than Guideline CLTV of XX%<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000099 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000101 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM3608 | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. To cure the defect please provide the consumer received the Intent to Proceed within XXX days of application. | ; Document Uploaded. Documentation received, XXX to review.; Hello. Please review the shipped loan package for the borrower signed "Applicant's Statement of Intent to Continue With The Loan Application" provided at page XXX Thank you for your help. ; | 12/08/2025 | Proof of Intent to Proceed has been provided. | 12/08/2025 | 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<br> D<br> A<br> B | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 250000101 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Please provide evidence the consumer to receiving documents electronically for initial disclosures e signed XX/XX/XXXX or prior. | ; Documentation received, XXX to review.; Document Uploaded. Please see the XXX E-consent. Thank you.; | 12/08/2025 | Evidence of eConsent is provided. | 12/08/2025 | 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<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 250000101 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower X Xrd Party VOE Prior to Close Missing | ; Documentation received, XXX to review.; Document Uploaded. Please see the XXX Final VOE. Thank you.; | 12/08/2025 | Borrower X Xrd Party VOE Prior to Close Was Provided | 12/08/2025 | 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<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 250000103 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/02/2025 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000103 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/02/2025 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000103 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/02/2025 | 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000105 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/01/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide FNMA/FHLMC UCDP reflecting CU score and Reps and Warranty Eligibility | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide FNMA/FHLMC UCDP reflecting CU score and Reps and Warranty Eligibility |  | UCDP summaries were provided with the appraisal upload, exception resolved. ; Third party valuation product provided within tolerance. | 12/08/2025 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000105 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/01/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Provide Appraisal Report, not in loan file |  |  | Appraisal was provided, exception resolved.; Appraisal is Present or is Waived; Document Uploaded. | 12/03/2025 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000105 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/02/2025 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000105 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | 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. |  |  | Informational | 12/02/2025 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000107 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/01/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XX% exceeds Guideline LTV of XX% Borrower is a first time investor. LTV reduction of XXX% applied. | ; Document Uploaded. Exception Approved. Waive For B Grade; | 12/23/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following two XXX compensating factors for this purpose: FICO XXX DSCR XX/XX/XXXX | 12/23/2025 | C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000109 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/01/2025 | Acknowledged | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing LOE for credit inquiry from XXX XXX Card Ser. | ; | 01/20/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledged the following compensating factors for this purpose: FICO and reserves. | 01/20/2026 | 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<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000111 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/01/2025 | Rescinded | FCOM1111 | Compliance | Late Charge Grace Period is less than XXX days | Late Charge Grace Period is less than XXX days Late charge reflects as XXX days with a caveat; unless applicable law requires a longer period of time before a late charge may be imposed, in which event such logner period shall be substituted. | ; ; ; ; ; ; | 01/30/2026 | Updating status to Rescind in order to update grading in XXX system. ; Opening condition in order to update in XXX system. ; Finding is resolved. Per XXX compliance, loan Note late charge verbiage meets requirements for DSCR loan in the State of XXX.; Finding is resolved. Per XXX compliance, loan Note late charge verbiage meets requirements for DSCR loan in the State of XXX. ; Late Charge Grace Period is less than XXX days; Late Charge Grace Period is less than XXX days; Late Charge Grace Period is less than XXX days; Resolved. ; Late Charge Grace Period is less than XXX days; Finding is resolved. Per XXX compliance, loan Note late charge verbiage meets requirements for DSCR loan in the State of XXX. ; Late Charge Grace Period is less than XXX days | 01/30/2026 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000111 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/01/2025 | Rescinded | FCOM1114 | Compliance | Late Charge Percent is greater than XXX% | Late Charge Percent is greater than XXX% Late charge reflects as XXX% with a caveat; unless applicable law requires a lesser amount be charged, in which event such logner period shall be substituted. | ; ; ; ; ; ; | 01/30/2026 | Updating status to Rescind in order to update grading in XXX system. ; Opening condition in order to update in XXX system. ; Finding is resolved. Per XXX compliance, loan Note late charge verbiage meets requirements for DSCR loan in the State of XXX.; Finding is resolved. Per XXX compliance, loan Note late charge verbiage meets requirements for DSCR loan in the State of XXX. ; Late Charge Percent is greater than XXX%; Late Charge Percent is greater than XXX%; Late Charge Percent is greater than XXX%; Resolved. ; Late Charge Percent is greater than XXX%; Finding is resolved. Per XXX compliance, loan Note late charge verbiage meets requirements for DSCR loan in the State of XXX. ; Late Charge Percent is greater than XXX% | 01/30/2026 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000111 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Resolved | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete Transaction was executed on a commercial note | ; | 01/23/2026 | The Note is Present; XXX compliance cleared note verbiage stating it is typical of business purpose loan and meets their requirements. Finding is resolved. | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000113 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Acknowledged | FCRE2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX Lender guidelines State if there are multiple sources of rent, use the lowest for DSCR calculation. Audited calculation used the XXX rent analysis on page XXX showing $XXX/year (x XXX% / XXX months) = XXX per monthnth rent. This is less than the PITIA and DSCR is less than XXX. Guidelines require STR to be XXX. | ; Document Uploaded. see post-closing exception approval XXX and update finding, grade, and push to CC.; | 12/23/2025 | Client approved an exception to guidelines for short term rental with DSCR less than XXX Client accepts risk for B grade and acknowledged the following compensating factors for this purpose: XXX) XXX shows market rent for a standard lease is XXX (See XXX). Property located in downtown XXX, and can easily be rented out of $XXX if borrower chooses to do so. Also with property being in downtown area has the potential of going over the $XXX. XXX) Per most two recent months Statements with XXX #XXX, Borrower has rec'd $XXX in payments from XXX om (See XXX) Most of the deposits were in XXX, however per LOE from Borrower house was being renovated in XXX, XXX) XX% LTV XXX) XXX years living at current residence XXX) XXX years XXX of XXX subject property XXX) Mortgage History with XXX XXX mths XXX XXX) XXX Credit Score XXX) Not a heavy user of REV Credit lines. | 12/23/2025 | 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 XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000113 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | 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 provided only shows XXX coverage. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 12/23/2025 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX | 12/23/2025 | 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 XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000113 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Resolved | FCRE3501 | Credit | Borrower 2 residency documentation not provided or issue with documentation | BX permanent resident card provided is expired. | ; Documentation received, XXX to review.; Document Uploaded. Per TEam, "The Borrower provided proof that they have a pending application and in that I-XXXC application it States money received and that he Borrower Green Card expiration date is extended by XXX months. (See XXX) Card expired in XXX XXX therefor with extension it now expires in XXX XXX"; | 12/16/2025 |  | 12/16/2025 | 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 XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000115 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Acknowledged | 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) Borrower does not meet the criteria for experienced investor for the XXX XXX DSCR program XXX months reserves required | ; ; ; ; Post close exception approved. Uploaded for review. DD to waive for B Grade.; | 12/30/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following two XXX compensating factors for this purpose: XX.XX% LTV, XXX FICO | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000115 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Waived | FCRE2008 | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is XXX as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Missing Rent Loss Insurance covering a minimum of XXX months for the subject property for the greater of in-place or market rent during disruption. | ; ; | 12/30/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX DSCR, XXX FICO; XX.XX% LTV. | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000115 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Acknowledged | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Borrower does not meet the criteria for experienced investor for the XXX XXX DSCR program XXX months reserves required | ; Document Uploaded. Post close exception approved. Uploaded for review. DD to waive for B Grade.; | 12/30/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following two XXX compensating factors for this purpose: XX.XX% LTV, XXX FICO | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000115 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Waived | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing LOE for credit inquiries dated XXX days from the credit report. | ; | 12/05/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX DSCR, XXX FICO; XX.XX% LTV. | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000117 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2025 | Resolved | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XX% exceeds Guideline LTV of XX% Borrower does not meet the criteria of an experienced investor. Max LTV is XX% | ; Document Uploaded. Please see XXX. Borrower qualifies for an LTV of XX% based on FICO, DSCR and loan size, therefore the current LTV of XX% is valid. Please rescind finding. Thx; Let me know if we have two more comp factors (besides FICO) to see if we can consider for an exception. Email me at XXX. Thanks; | 12/19/2025 | Audited LTV of XX% is less than or equal to Guideline LTV of XX% | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000119 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(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 n estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). TILA XXXb 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 Discount Point Fee from LE XX/XX/XXXX to CD XX/XX/XXXX. The loan file does not contain a valid COC for the addition of the fee. Please provide a valid COC to determine if this was a valid change. | ; Document Uploaded. ; Documentation received, XXX to review.; ; Document Uploaded. ; Documentation received, XXX to review.; | 12/21/2025 | Valid COC provided; exception resolved; COC provided was dated XX/XX/XXXX, however the discount points werent added until the XX/XX/XXXX CD which is not within XXX days of the COC; | 12/21/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 250000119 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCRE9549 | Credit | Missing Credit Report XXX | The Final XXXX reflects numerous consumer credit accounts that have balances and payments not matching the accounts on the credit report provided. There also appears to be a credit report, XXX, and/or gap report not provided to confirm the updated consumer debts and all inquiries. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 12/21/2025 | Credit XXX provided. | 12/21/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 250000119 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCRE2109 | Credit | Missing Lender Income Calculation Worksheet | According to Lender Approval and Lock Confirmation, the Borrowers were qualified using XXX months bank Statements, both business and personal. File is missing the Lender's Income Calculation Worksheet in order to confirm non-business deposits to be omitted and the usage of the standard XXX% expense ratio. Audit is unable to confirm income used to qualify. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/09/2025 | Income calculation worksheet provided. | 12/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 250000119 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | The credit report provided has XXX inquiries. Only one of these inquiries was addressed in an LOX in file. There are other LOXs in file, but they address inquiries not listed on the credit report provided. File is missing LOX addressing all LOXs and confirming no new credit has been opened. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/09/2025 | LOE provided. | 12/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 250000119 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XX CFR §XXXX.XX(e)(X)(i) he loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). TILA XXXb 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 tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX from LE XX/XX/XXXX to LE XX/XX/XXXX. The loan file does not contain a valid COC for the decrease in the Lender Credit. Provide a valid COC to determine if this was a valid change. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/09/2025 |  | 12/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 250000119 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | 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 XXX XX/XX/XXXX or provide confirmation the lender has no affiliates. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/09/2025 | Required Affiliated Business Disclosure Documentation Provided | 12/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 250000121 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| 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 XX% is less than Guideline CLTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000121 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| 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 XX% is less than Guideline CLTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000121 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| 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 XX% is less than Guideline CLTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000123 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCRE7551 | Credit | Missing Divorce Decree | Borrower listed as "separated" on initial XXXX, listed as unmarried on Final XXXX. Copy of Divorce decree needed to verify if alimony or child support payments are applicable. | ; ; Documentation and comment received, XXX to review.; Please advise what else is needed on this file. The divorce decree has been uploaded and should clear this condition as that is all that was asked for. ; | 12/23/2025 |  | 12/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000123 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Lender excluded payment of XXX from debt calculations. No documentation in file showing why debt was excluded from calculations. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/23/2025 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | 12/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000125 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/04/2025 | 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 XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000125 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/04/2025 | 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 XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000125 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | 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 XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000127 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | 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 XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000127 |  | 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. |  |  | Informational | 12/04/2025 | 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 XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000127 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/04/2025 | 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 XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000129 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000129 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000129 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000131 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000131 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000131 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000133 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000133 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000133 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000135 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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 XX.XX% is less than Guideline LTV of XX% \| 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000135 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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 XX.XX% is less than Guideline LTV of XX% \| 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000135 |  | 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. |  |  | Informational | 12/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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 XX.XX% is less than Guideline LTV of XX% \| 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000137 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Third Party Fraud Report is provided; Drive Report provided.; Document Uploaded. | 12/11/2025 | 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000137 |  | 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. |  |  | Informational | 12/09/2025 | 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000137 |  | 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. |  |  | Informational | 12/09/2025 | 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000139 |  | 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. |  |  | Informational | 12/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| 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 XX% is less than Guideline CLTV of XX%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000139 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| 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 XX% is less than Guideline CLTV of XX%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000139 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| 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 XX% is less than Guideline CLTV of XX%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000141 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000141 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000141 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000143 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/04/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000143 |  | 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. |  |  | Informational | 12/04/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000143 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000145 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2025 | Resolved | FCRE1480 | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements XXX: this is a home equity loan application for XXX Final XXXX shows XXX in a savings account with the same credit union. No Statement has been provided for the XXX or to show the credit line was approved. Without additional funds, borrower does not have enough funds for closing or reserves. Please provide Statement for XXX showing liquid assets of at least $XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 01/20/2026 | Asset Record XXX Meets G/L Requirements Or XXX; Client provided VOD for account #XXX with XXX dated XX/XX/XXXX verified by XXX at XXX. LM Updated. | 01/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000147 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2025 | 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) Missing asset Statements for XXX showing on Final XXXX $XXX. As a result, the reserves requirement is not met. | ; Documentation received, XXX to review; Document Uploaded. ; | 12/11/2025 | Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000147 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2025 | 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. Missing asset Statements for XXX showing on Final XXXX $XXX. As a result, the reserves requirement is not met. | ; ; Document Uploaded. ; | 12/11/2025 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000149 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2025 | Waived | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing required LOE for all inquiries in the last XXX days. | ; DD to review - To be waived for B Grade. Seller Guides do not require inquiry letter on DSCR. Reviewed with team and fine to move forward without. Comp Factors: XX/XX/XXXX mos PITIA reserves. DSCR: XXX. FICO: XXX; | 12/09/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XX/XX/XXXX mos PITIA reserves. DSCR: XXX. FICO: XXX | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000151 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | 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. (XX CFR XXX(a)(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. Evidence of delivery in file verifies date of XX/XX/XXXX with consummation date of XX/XX/XXXX. Appraisal delivery waiver document would also clear exception. | ; Documentation received, XXX to review.; Document Uploaded. Please see appraisal acknowledgement receipt; ; Documentation received, XXX to review.; Document Uploaded. ; ; Document Uploaded. ; Documentation received, XXX to review.; | 12/29/2025 | Evidence of appraisal delivery provided.; Exception remains: The proof of appraisal delivery provided but no evidence the borrower received the report at least XXX days prior to consummation. Evidence of delivery verifies receipt date of XX/XX/XXXX with consummation date of XX/XX/XXXX does not meet timing requirement. Please provide receipt at least XXX business days prior to consummation or timing waiver.; Exception remains: The proof of appraisal delivery provided but no evidence the borrower received the report at least XXX days prior to consummation. Evidence of delivery verifies receipt date of XX/XX/XXXX with consummation date of XX/XX/XXXX does not meet timing requirement. Please provide receipt at least XXX business days prior to consummation or timing waiver.; Appraisal report provided but no evidence the borrower received the report at least XXX days prior to consummation. Evidence of delivery in file verifies receipt date of XX/XX/XXXX with consummation date of XX/XX/XXXX does not meet timing requirement. Please provide receipt at least XXX business days prior to consummation or timing waiver. Exception remains. | 12/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> D<br> A<br> B | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 250000151 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/05/2025 | Resolved | FCRE1964 | Credit | Missing income documentation | Missing the Self-Employment Business Narrative. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/18/2025 |  | 12/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 250000151 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/05/2025 | Resolved | FCRE9814 | Credit | Missing Trust Agreement | Missing Trust Agreement and lenders approval of the trust agreement. | ; Documentation received, XXX to review.; Document Uploaded. Trust Cert; | 12/14/2025 | Trust Agreement Meets Guideline Requirements | 12/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 250000153 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/09/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. The initial disclosures esigned by the Borrower X XX/XX/XXXX or prior. | ; ; Documentation received, XXX to review. ; Document Uploaded. ; Condition updated XXX ; ; Documentation received, XXX to review.; Document Uploaded. ; | 12/17/2025 | Evidence of eConsent is provided.; ; Document provided is blank for e-consent. Please provide evidence consent for electronic delivery was provide XX/XX/XXXX or prior. | 12/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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 XX.XX% is less than Guideline LTV of XX%<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 250000155 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000157 |  | 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. |  |  | Informational | 12/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000159 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/08/2025 | Waived | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Borrower approved using WVOE. Per guidelines, Borrower must have a two-year work history with same employer. WVOE In file shows borrower Stated in XX/XX/XXXX, which is short XXX months for the XXX year work history required. | ; ; ; in review for exception ; Documentation received, XXX to review.; Document Uploaded. ; | 12/15/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) XXX FICO (min XXX required) XXX) XX% LTV (max XXX% allowed) XXX) reserves $XXX; Provided WVOE confirms hire date of XXX, less than XXX years. Finding can be waived with XXX compensating factors | 12/15/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000161 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/09/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing full PITIA payment for both BX & BX XXX (XXX if there are additional HOA dues, and BX mortgage appears to be interest only based on payment & balance, and the fact that it's a HELOC likely no escrows). | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/31/2025 | Housing History Meets Guideline Requirements | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000161 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/09/2025 | Resolved | FCOM3596 | Credit | Missing Prepayment Rider | The final executed Note does not identify a XXX; however, the final CD and the First Payment Letter indicate the loan has a XXX with a XXX month term. Missing XXX rider. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/16/2025 |  | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000163 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/09/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000163 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/09/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000163 |  | 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. |  |  | Informational | 12/09/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000165 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Lender requires that each file contain a fraud tool to analyze the risk assessment of each borrower, which was not found among the loan documents. Please provide, along with evidence that any and all Red Flags or High Alerts have been cleared. | Missing Third Party Fraud Report Lender requires that each file contain a fraud tool to analyze the risk assessment of each borrower, which was not found among the loan documents. Please provide, along with evidence that any and all Red Flags or High Alerts have been cleared. |  | Third Party Fraud Report is provided; Fraud Report provided.; Document Uploaded. | 12/11/2025 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000165 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/09/2025 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000165 |  | 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. |  |  | Informational | 12/09/2025 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000167 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000167 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000167 |  | 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. |  |  | Informational | 12/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| 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<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000169 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2025 | Resolved | FCOM1206 | Credit | The Note is Missing | The Note is Missing. Loan file did not include a copy of the Note for the subject property. Please provide. |  |  | The Note is Present. | 12/26/2025 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000169 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/09/2025 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000169 |  | 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. |  |  | Informational | 12/09/2025 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000171 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Resolved | FCRE9814 | Credit | Missing Trust Agreement | Missing Trust Agreement Missing an XXX opinion stating the trust meets all Secondary Marketing requirements as set forth by XXX or XXX, as applicable, and any applicable State requirements as required per guidelines. | ; Document Uploaded. DD to review - In Loan Package. Uploaded again for review.; | 12/14/2025 | Trust Agreement Meets Guideline Requirements | 12/14/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000173 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000175 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/11/2025 | 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 XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000175 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/11/2025 | 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 XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000175 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/11/2025 | 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 XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000177 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000179 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2025 | Acknowledged | 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) XXX DSCR VXX GLs require XXX months reserves for subject loan amount of XXX The Lender has provided an Exception in file for the assets not meeting guidelines. Compensating Factors listed: "Seasoned investor with no late payments on any debt ever; DSCR will be well above XX/XX/XXXX using STR income calc. See XXX showing estimated rents XXX per month rent. Using XXX% of this will put DSCR around XXX; Borrower has $XXX of the required reserves in liquid cash. XXX mo reserves verified." | ; | 12/18/2025 | Client approved exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Seasoned investor with no late payments on any debt ever; DSCR will be well above XX/XX/XXXX using STR income calculation, $XXX of the required reserves in liquid cash with XXX mo reserves verified. | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000179 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2025 | Acknowledged | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. XXX DSCR VXX GLs require XXX months reserves for subject loan amount of XXX The Lender has provided an Exception in file for the assets not meeting guidelines. Compensating Factors listed: "Seasoned investor with no late payments on any debt ever; DSCR will be well above XX/XX/XXXX using STR income calc. See XXX showing estimated rents XXX per month rent. Using XXX% of this will put DSCR around XXX; Borrower has $XXX of the required reserves in liquid cash. XXX mo reserves verified." | ; | 12/18/2025 | Client approved exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Seasoned investor with no late payments on any debt ever; DSCR will be well above XX/XX/XXXX using STR income calculation, $XXX of the required reserves in liquid cash with XXX mo reserves verified. | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000179 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2025 | Acknowledged | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The Borrower has XXX accounts used to qualify that are held jointly with his spouse who is not on the loan or mortgage. There is no XXX% access letter allowing borrower to have full and complete access to the funds with XXX Bank #XXX & #XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/18/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: Comp Factors: Seasoned investor with no late payments, DSCR > XXX over required reserves. | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000179 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2025 | Resolved | FCRE2500 | Credit | Missing Personal Guaranty | Missing Personal Guaranty. The Borrower has signed the Note as XXX but not also as an individual, requiring a separate guaranty document. The Personal Guaranty has not been provided. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/18/2025 | Personal Guaranty provided. | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000179 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | The credit report in file reflects XXX inquiries, neither of which are from the subject Lender. The file is missing the required LOX from the borrower confirming whether or not new credit has been opened. It does appear a new construction loan may have been opened with XXX in XXX based on XXX Deed of Trust and mortgage Statement in file, which has been disclosed on Final XXXX. Please provide LOX to confirm and address the additional inquiry. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/18/2025 |  | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000181 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(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 n estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). TILA XXXb 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 Points and increase from XXX to XXX for the Appraisal XXX (desk review) Fee. This violation can also be cured by providing any timely missing re-disclosure(s) to support COC in file dated XX/XX/XXXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/19/2025 | Revised CD and valid COC provided; Exception resolved; Revised CD and valid COC provided; Exception resolved | 12/19/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000181 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing To cure the defect please provide the Affiliated Business Disclosure dated within XXX days of application. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/19/2025 | Required Affiliated Business Disclosure Documentation Provided; Received confirmation lender has not affiliates | 12/19/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000183 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Waived | FCRE8981 | Credit | Purpose does not meet eligibility requirement(s) | XXX DSCR vXX Guidelines State: For refinance transactions, XXX must be leased at the time of closing, and the borrower must provide evidence that the property has been leased. The subject is a tenant occupied single-family property per the appraisal in file, and there is no evidence of the lease in file. | ; Please waive for B grade. Comp factors DSCR > XXX FICO XXX Length of ownership ; ; Can you advise on how long the exception review will take?; Followed up with XXX team on exception review. DD to reopen; ; Per borrower letter that was uploaded, this property is NOT currently rented out long term and not rented to a family member per the condition. The appraisal States tenant for XXX, but that is because it's furnished. It can't be marked vacant because of the furniture. The reason the subject is furnished is Stated in the borrower's LOX below---the borrowers are actively working on securing a long-term tenant and are offering the property fully furnished. In the meantime, they are doing some short-term rental to offset the expenses while looking for a new tenant. But currently, there isn't a long-term tenant and that is allowed per the investor guidelines. Please let me know how we can move forward with this file as there is no lease on this property.; Escalated LOE for exception review. Pending review with lease not being able to be provided. DD to re-open finding. ; Comment Made on XX/XX/XXXX from Exception Review: Per Exception Review: We need to obtain the current lease from the seller as all documentation in the file indicates the property is currently leased. This would negate the need for the exception and verify the property is not currently rented by a family member.; Per Exception Review: We need to obtain the current lease from the seller as all documentation in the file indicates the property is currently leased. This would negate the need for the exception and verify the property is not currently rented by a family member. - DD to re-open condition.; Document Uploaded. LOX from borrower XXX. ; Documentation received, XXX to review.; XXX to review for possible exception.; Document Uploaded. ; Documentation received, XXX to review.; ; Document Uploaded. ; Documentation received, XXX to review. ; ; | 02/06/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR > XXX FICO XXX Length of ownership; Re-opened per request; Per LOE, borrower is currently renting out property short term to offset. Documentation in file does not meet qualification for short term rental, as XXX does not reflect short term mark rents. LOE indicates property is vacant, which is against XXX Guidelines. ; Request for exception received, approved exception from XXX required. ; Exception request received for XXX to review and determine if can be approved ; Appraisal shows property is currently tenant occupied. Photos also support tenant occupied property. Copy of lease is required when property is tenant occupied. | 02/06/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| 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 XX% is less than Guideline CLTV of XX%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000185 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/11/2025 | 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000185 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/11/2025 | 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000185 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/11/2025 | 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000187 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 12/11/2025 | Resolved | FCRE1325 | Credit | Borrower 1 CPA Letter Missing | Borrower X CPA Letter Missing The lender used a XXX% (zero) expense ratio. Per guidelines, the only way an expense ratio less than XXX% is allowed is if a CPA/licensed tax preparer provides a lower amount. Also, the expense factor can never be less than XXX% per guidelines. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/22/2025 | Borrower X CPA Letter Provided | 12/22/2025 | 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000187 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 12/11/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The lender used a XXX% (zero) expense ratio. Per guidelines, the only way an expense ratio less than XXX% is allowed is if a CPA/licensed tax preparer provides a lower amount. Also, the expense factor can never be less than XXX% per guidelines. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/22/2025 | Income and Employment Meet Guidelines | 12/22/2025 | 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000189 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage The current policy reflects HO-XXX Home Rental coverage on page XXX However the policy is missing the number of months or coverage amount to support coverage of at least XXX months. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/23/2025 | Rent Loss Coverage Present | 12/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000189 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The file is missing documentation to support borrower is associated with current vested XXX XXX as per title on page XXX The subject transaction is a cash out refinance. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 12/23/2025 | Property Title Issue Resolved | 12/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000189 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2025 | Rescinded | FCRE8981 | Credit | Purpose does not meet eligibility requirement(s) | XXX DSCR vXX Guidelines State: For refinance transactions, XXX must be leased at the time of closing and the borrower must provide evidence that the property has been leased. The subject is a vacant XXX property, and there is no evidence that the property has a lease in place. | ; | 12/19/2025 | The subject property is a short term rental. Finding is rescinded. | 12/19/2025 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000191 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage The Hazard Insurance Policy only reflects a "Home Rental" endorsement but no specific amount confirming required XXX months coverage. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/23/2025 | Rent Loss Coverage Present | 12/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000193 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing schedule of REO, need breakdown of XXX PITIA along with all other REO PITIA and associated mortgages. | ; Documentation received, XXX to review.; Document Uploaded. ; ; REO and mortgages associated to properties is needed on XXX DSCR product. If debt schedule obtained, may provide. Per Guidelines: Documentation for Other Owned Properties • Mortgage Statements for properties identified on the borrower's Schedule of XXX Owned are required only to the extent necessary to verify or reconcile each property's mortgage payment history. • Documentation used solely to calculate PITIA—such as tax invoices, homeowner's insurance declarations, or HOA Statements—for additional properties is not required. DD to re-open finding.; This is not required on DSCR loans. ; | 01/12/2026 | Screenprints of mortgages showing payment and loans escrowed provided. ; XXX DSCR Guidelines require Schedule of REO to verify and reconcile each properties payment history. | 01/12/2026 | 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 CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000193 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Acknowledged | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Need explanation of credit inquiries on CBR. | ; DD to waive for B Grade. Seller did not obtain due to not being specifically Stated in guides as being required, even though where silent defer to FNMA guides. Discussed on other files and fine to waive for B Grade on DSCR. Comp Factors: XXX mos PITIA reserves; DSCR: XXX; FICO: XXX; We do not see that DSCR guidelines require this.; | 12/16/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX mos PITIA reserves; DSCR: XXX; FICO: XXX | 12/16/2025 | 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 XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000193 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Resolved | FCOM1477 | Compliance | Missing evidence of rate lock | Missing evidence of rate lock and lender's DSCR. | ; Lock Confirmation uploaded for DD review.; Document Uploaded. ; | 12/14/2025 |  | 12/14/2025 | 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 XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000195 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2025 | 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) Reserves are short XXX Reserves required XXX and cash out proceeds are XXX | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 01/02/2026 | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 01/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000195 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2025 | 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. Reserves are short XXX Reserves required XXX and cash out proceeds are XXX | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 01/02/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 01/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000195 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2025 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/21/2025 | Business Purpose Affidavit/Disclosure Provided | 01/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000195 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2025 | Resolved | FCRE2500 | Credit | Missing Personal Guaranty | Missing Personal Guaranty. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/21/2025 | Personal Guaranty provided. | 01/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000197 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Document Uploaded. | 12/18/2025 | Third Party Fraud Report is provided; ; Lender provided Fraud Report dated XX/XX/XXXX. Cleared. | 12/24/2025 | 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.<br> D<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 250000197 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(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 n estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). TILA XXXb 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 Appraisal Review Fee on the initial Cd dated XX/XX/XXXX without a valid COC in file. Please provide a valid COC or cure package. | Document Uploaded. | 12/18/2025 | UCDP document reviewed and timing requirements met, exception resolved.; UCDP document reviewed and timing requirements met, exception resolved. | 12/19/2025 | 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.<br> D<br> A<br> C | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 250000197 |  | 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. |  |  | Informational | 12/11/2025 | 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.<br> D<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 250000199 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Resolved | FCRE2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX Neither the Lender's DSCR calculation, nor XXX Transmittal Summary were found in file; however, it appears that the Lender failed to include monthly city and school taxes in the PITIA payment. Including these payments results in a DSCR below the minimum XX/XX/XXXX percentage per Guidelines. | Document Uploaded. | 12/18/2025 | Qualifying DSCR meets Guidelines; ; Lender provided proof of actual property taxes. Agree with Lender's Tax XXX. DSCR is XXX. Cleared. | 12/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000199 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000199 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000201 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Acknowledged | FCRE6100 | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% XXX DSCR VXX Guidelines are silent on interested party concessions. When GLs are silent, audit has relied on FNMA guidelines on XXX property IPCs which require a maximum of XXX% on all LTVs. | ; | 12/17/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following two XXX compensating factors for this purpose: XXX FICO, XXX mos reserves. | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Acknowledged | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final XXXX is Incomplete The Final XXXX does not list all of the XXX owned by the borrower. | ; ; Please waive for B Grade. Seller only requires XXX and subject disclosed on XXXX on DSCR loans. Discussed with XXX Team and fine to move forward without update to XXXX. Comp Factors: XXX mos PITIA Reserves; DSCR: XXX; FICO: XXX; | 12/29/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: Comp Factors: XXX mos PITIA Reserves; DSCR: XXX; FICO: XXX | 12/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Acknowledged | 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. Missing XXX months asset Statements for XXX #XXX, XXX #XXX, XXX XXX XXX IRA #XXX | ; ; Please waive for B Grade. Seller only requires XXX month bank Statement to document assets used to qualify. Discussed with XXX Team and fine to move forward as long as at least XXX month asset Statements provided for each account used to qualify. Comp Factors: XXX mos PITIA Reserves; DSCR: XXX; FICO: XXX; | 12/29/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: Comp Factors: XXX mos PITIA Reserves; DSCR: XXX; FICO: XXX | 12/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Resolved | FCRE2109 | Credit | Missing Lender Income Calculation Worksheet | Missing lender calculated DSCR from loan file. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/29/2025 | Income calculations provided. | 12/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing documentation supporting XXX exchange funds of $XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/29/2025 | Asset Qualification Meets Guideline Requirements | 12/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | 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 | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 12/29/2025 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX | 12/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Acknowledged | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing LOE for credit inquiries dated XXX days from the credit report. | ; Please waive for B Grade. Seller does not require inquiry letter on DSCR loans. Discussed with XXX Team and fine to move forward without. Comp Factors: XXX mos PITIA Reserves; DSCR: XXX; FICO: XXX; | 12/17/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: Comp Factors: XXX mos PITIA Reserves; DSCR: XXX; FICO: XXX | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000205 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Resolved | FCRE1118 | Credit | Borrower 1 Deed of Trust Signature does not match Note | Borrower X Signature does not match Note Mortgage/deed of trust is not signed & dated and also not notarized. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/18/2025 | Borrower X Signature matches Note | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000207 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000209 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Third Party Fraud Report is provided; Document Uploaded. | 12/23/2025 | 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000209 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/16/2025 | 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000209 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000211 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000211 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000213 |  | 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. |  |  | Informational | 12/16/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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 XX.XX% is less than Guideline LTV of XX% \| 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000213 |  | 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. |  |  | Informational | 12/16/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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 XX.XX% is less than Guideline LTV of XX% \| 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000213 |  | 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. |  |  | Informational | 12/16/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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 XX.XX% is less than Guideline LTV of XX% \| 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000215 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| 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 XX% is less than Guideline CLTV of XX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000215 |  | 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. |  |  | Informational | 12/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| 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 XX% is less than Guideline CLTV of XX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000215 |  | 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. |  |  | Informational | 12/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| 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 XX% is less than Guideline CLTV of XX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000217 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2025 | Rescinded | FCRE2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX The lender did not provide their XXX for comprising the pitia but per the addendum to the XXX used a pitia of XXX hence the DSCR calculation of XXX. The qualifying principal and interest payment following the XXX year interest only period is XXX + taxes of XXX + insurance XXX and HOA XXX for a pitia total of XXX or a DSCR or XXX | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX The lender did not provide their XXX for comprising the pitia but per the addendum to the XXX used a pitia of XXX hence the DSCR calculation of XXX. The qualifying principal and interest payment following the XXX year interest only period is XXX + taxes of XXX + insurance XXX and HOA XXX for a pitia total of XXX or a DSCR or XXX |  | ; Lender explanation received. Validated for interest only loans, we utilize ITIA for the payment. | 12/18/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000217 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000217 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000219 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/15/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XX% exceeds Guideline LTV of XX% The maximum LTV for a cash out refinance with a loan amount of XXX is XXX% A lender exception was referenced in the file, but supporting documentation was not provided. | ; ; ; Document Uploaded. Exception Uploaded. Waive for B Grade. Per notes: XXX LTV (XXX% Over Max); | 01/07/2026 | Waived per client request. Client accepts risk for B grade and acknowledges the following four XXX compensating factors for this purpose: Credit is Excellent- Borrowers never missed a payment on anything, XXX in XXX additional properties owned, Borrower has XXX - no rental income being used, Income is based off a XXX% Expense Ratio - DTI is under guideline requirement | 01/07/2026 | 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.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000219 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Acknowledged | FCRE0129 | Credit | The Qualifying FICO Method must be set to Lowest Mid Score | Client exception to guidelines approved to use higher mid score between both borrowers. | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledged the following compensating factors for this purpose: Comp Factors: XXX% DTI; XXX mos PITIA reserves; XXX per monthnth residual Income.; Waive for B Grade. Comp Factors: XXX% DTI; XXX mos PITIA reserves; XXX per monthnth residual Income. | 01/07/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledged the following compensating factors for this purpose: Comp Factors: XXX% DTI; XXX mos PITIA reserves; XXX per monthnth residual Income.; Document Uploaded. | 01/07/2026 | 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.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000219 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Missing ABD. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/19/2025 | Required Affiliated Business Disclosure Documentation Provided; Received confirmation lender has no affiliates | 01/07/2026 | 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.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000219 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/15/2025 | Resolved | FCRE8506 | Credit | Application Profile Missing | Missing required business narrative for XXX XXX expanded bank Statement program | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/19/2025 | Business narrative provided | 12/19/2025 | 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.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000221 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000223 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000225 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Resolved | FCRE2371 | Credit | Missing final HUD-XXX from sale of non-subject property | Per the Lender notes on XXX addendum, the borrower is purchasing XXX additional properties concurrently with the subject. While DTI is not calculated, the Settlement Statements are required in order to evaluate the sufficiency of the verified assets to cover down payments and reserves on all XXX. File is missing the FCDs for XX/XX/XXXX and XX/XX/XXXX. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 12/19/2025 |  | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000227 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000229 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/12/2025 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | Missing in-place lease agreements for all XXX units – lender used this XXX for DSCR calculation. | ; Document Uploaded. ; Document Uploaded. The full XXX link is below which States the access to the lower level is Barnum Street. I have also XXX the USPS Address confirmation and additional XXX searches which show similar photo representation as the appraisal. Although the Appraisal does not call out the lower level Address, it is clear the entrance to the lower level unit is only accessible from XXX; ; ; Condition updated - missing third floor unit lease. ; Document Uploaded. ; Documentation received, XXX to review.; Condition updated XXX ; Document Uploaded. ; Documentation received, XXX to review.; ; Condition updated XXX; Document Uploaded. ; Documentation received, XXX to review.; ; ; | 02/25/2026 | Documentation provided showing addresses are one in the same. ; Client provided Lease agreements for "Xst Floor" and "Xnd Floor". Still missing Lease agreement for Xrd Unit. ; Client provided Rental Agreements for XXX and XXX. Missing in-place lease agreements for all XXX units of the subject property – lender used this XXX for DSCR calculation.; ; Page one of leases only provided, also does not include property leased. Complete leases with address and signed by both borrower and tenants required. | 02/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000231 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2025 | Acknowledged | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing XXX months of Statements for asset documentation as required per XXX Expanded DSCR Guidelines One month Statement dated XX/XX/XXXX provided for XXX accounts | ; ; Please waive for B Grade. Seller only requires XXX month to document assets. Discussed with XXX team and fine to proceed as long as a minimum of XXX month bank Statements provided to document assets. Comp Factors XXX mos PITIA reserves; DSCR: XXX; FICO: XXX; | 12/19/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: Comp Factors: XXX mos PITIA reserves; DSCR: XXX; FICO: XXX | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000233 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing verification of mortgage or Final CD from refinance for XXX and payoff of XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/02/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 04/07/2026 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000233 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2025 | Resolved | FCRE1481 | Credit | Asset 3 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements A copy of the check in the amount of XXX verifying funds are from a distribution was not found in the file, evidence the large deposit came from an acceptable source is required. The only document provided is the deposit slip for the deposit, which is not the same. | ; Document Uploaded. copy of the check for the large deposit; Documentation received, XXX to review.; ; ; Documentation received in XXX review.; ; Document Uploaded. ; Documentation received, XXX to review.; | 01/23/2026 | Asset Record XXX Meets G/L Requirements Or XXX; Copy of source provided. ; ; Per XXX XXX Expanded Guidelines "Large deposits inconsistent with monthly income or deposits must be verified if using for down payment, reserves or closing costs" Funds in question are being used for reserves, therefore acceptable source is required. | 04/07/2026 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000233 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2025 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts The Fraud Reports borrower was on loans taken against XXX XX/XX/XXXX and XX/XX/XXXX (property report sale date is dated XX/XX/XXXX), MERS search indicates borrower has an active loan with XXX as of XX/XX/XXXX. Property was excluded from XXXX, provide evidence borrower is not obligated on mortgage obligation. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/08/2026 | All Fraud Report Alerts have been cleared or None Exist | 01/23/2026 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000235 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation Required to clear exception - Provide copy of Affiliated Business Disclosure. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/09/2026 | Required Affiliated Business Disclosure Documentation Provided; No referral of business made; exception resolved | 01/09/2026 | 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%<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 250000237 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Acknowledged | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Lender Guides State VOR required if current renting. Final XXXX shows B's residence (during/prior to purch of sub) to be XXX XXX for XXX yrs (rental amt of XXX/mth). Provide satisfactory VOR | ; Please waive for B grade - comp factors XXX) XX% LTV (max XXX% allowed) XXX) XXX FICO (min XXX required) XXX) $XXX in reserves ; | 01/25/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX) XX% LTV (max XXX% allowed) XXX) XXX FICO (min XXX required) XXX) $XXX in reserves | 01/25/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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<br> D<br> B<br> A | B | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000237 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Acknowledged | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation Required to clear exception - Provide copy of Affiliated Business Disclosure. | ; ; Please waive for B grade ; | 01/23/2026 | Client acknowledges EVX/B finding. Exception status changed to acknowledged per client's request. | 01/23/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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<br> D<br> B<br> A | B | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000239 |  | 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. |  |  | Informational | 12/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| 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 XX% is less than Guideline CLTV of XX% \| 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000239 |  | 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. |  |  | Informational | 12/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| 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 XX% is less than Guideline CLTV of XX% \| 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000239 |  | 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. |  |  | Informational | 12/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| 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 XX% is less than Guideline CLTV of XX% \| 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000241 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide evidence of PITIA and HOA fees if applicable for the property located at XXX. The final application indicates XXX property is a simultaneous refinance. | ; ; Documentation received, XXX to review.; Document Uploaded. Please see XXX; | 12/22/2025 | ; Hazard insurance provided File indicates loan was refinance. Documentation of payment and taxes required. | 12/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000241 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE1202 | Credit | Third Party Fraud Report XXX Provided | Third Party Fraud Report XXX Provided The XXX Fraud Report dated XXX reflects XXX not disclosed on the final application: XXX and XXX. Provide documentation to support no ownership or corrective application and documentation to support PITIA payments. | ; Document Uploaded. Please see XXX They are owned free and clear, ; Documentation received, XXX to review.; Document Uploaded. Please see XXX the final complete report; | 12/22/2025 | Third Party Fraud Report is fully present | 12/22/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000241 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE8506 | Credit | Application Profile Missing | Provide complete and executed Business Narrative form. | ; Documentation received, XXX to review.; Document Uploaded. Please see XXX; | 12/19/2025 | Business narrative provided. | 12/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000243 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000245 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000245 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000245 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000247 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000247 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000247 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000249 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Notice disclosure, XXX, has affiliates. Please Provide the Affiliated Business disclosure or Attestation that no referral of business was made to the affiliate | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/05/2026 | Required Affiliated Business Disclosure Documentation Provided | 01/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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 XX.XX% is less than Guideline LTV of XX%<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 250000251 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 12/16/2025 | Resolved | FCRE9068 | Credit | Borrower does not meet residual income requirement | Residual income of XXX does not meet guideline minimum of XXX Residual income of XXX does not meet guideline minimum of XXX | ; Escalated to DD for review. XXX payment was not excluded. Appears to be taken into account with expense factor used. This will decrease DTI where residual income would not be required. Pending DD review.; | 12/22/2025 | Residual Income meets guideline minimum. | 12/22/2025 | 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 XXX years on job.<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000253 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/17/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage The Hazard Insurance Policy in file does reference "Fair Rental Value" coverage but does not reflect coverage amount. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/05/2026 | Rent Loss Coverage Present | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000255 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/17/2025 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | Lease continuation for XXX reflects a term of XXX - XXX and is expired. Provide updated agreement | ; Document Uploaded. ; | 12/31/2025 |  | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000257 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000259 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/17/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final XXXX is Incomplete Missing pages XXX and XXX of the Final XXXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/02/2026 | The Final XXXX is Present | 01/02/2026 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000261 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/17/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(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 n estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). TILA XXXb 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 Appraisal Fee added to LE XX/XX/XXXX. The COC dated XX/XX/XXXX does not provide a valid reason for the increase. The defect can be cured by providing a valid reason. | ; ; Document Uploaded. ; Documentation received, XXX to review.; ; pccd; Documentation received, XXX to review.; | 12/26/2025 | Cure package provided to the borrower; exception downgraded to a X/B; PCCD shows the change to the appraisal fee, however the settlement in file shows the borrower paid the full XXX provide remaining cure package with LOE, Copy of refund check and proof of deliver to downgrade | 12/26/2025 | 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000261 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/17/2025 | 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. ; Documentation received, XXX to review.; | 12/23/2025 | Evidence of eConsent is provided. | 12/23/2025 | 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000263 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/17/2025 | Rescinded | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements XXX DSCR vXX guidelines require housing history reflect XXX. Borrower has XXX mortgages – XXX showing last reported date of XXX (XXX Mortgage balance of XXX and XXX balance of $XXX) and XXX last reported on XX/XX/XXXX (XXX Loan balance of $XXX). Missing verification all mortgages are current as subject loan closed XX/XX/XXXX. | ; Credit report meets guideline requirements for mortgage ratings. Finding is rescinded. ; Credit report dated XXX - mortgage ratings are within date of credit report range and within XXX days of XXX, can you cancel this condition? ; | 12/24/2025 | ; Housing History Meets Guideline Requirements | 12/24/2025 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000263 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/17/2025 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | File contains business certificate of formation, however missing business articles of organization. XXX DSCR vXX guidelines require copy of formation documents including Articles of Organization. | ; Document Uploaded. Uploaded LLC docs, it appears Articles of Incorporation are within the doc, can you review, uploaded for review. ; ; | 12/23/2025 | LLC documentation provided. | 12/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000265 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/29/2025 | Acknowledged | FCRE8201 | Credit | Loan does not conform to program guidelines | XXX XXX Expanded vXX does not allow Business Entity Borrowers. The Note is in the name of XXX | ; Document Uploaded. DD to review Corp docs to make sure meet entity requirements of XXX DSCR product (only Entity Requirements). Waive for B Grade, exception XXX for vesting in LLC.; Exception Was Reviewed and Approved for XXX price implication. ; | 01/13/2026 | Entity requirements meet XXX DSCR product. Client approved an exception to guidelines. Client accepts risk for B grade and acknowledged the following compensating factors for this purpose: XXX months reserves and FICO of XXX | 01/13/2026 | 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. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000265 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/29/2025 | Acknowledged | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing XXX months required asset Statements required by guidelines. XXX XXX accounts XXX & XXX contain Statements dated XX/XX/XXXX. Missing additional month Statement. | ; ; Please waive for B Grade. Seller only requires XXX month bank Statements to document assets. XXX team fine to proceed as long as minimum of XXX month bank Statements provided for each account used to qualify. Comp Factors: XXX mos PITIA reserves; DTI: XXX%; FICO: XXX; | 01/13/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX mos PITIA reserves; DTI: XXX%; FICO: XXX | 01/13/2026 | 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. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000267 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000269 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/18/2025 | Rescinded | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final XXXX is Incomplete The Final XXXX does not list all of the XXX owned by the borrower. Property Tax Statement via XXX is not for the XXX as XXX is located in XXX | ; ; XXX search of property confirms borrower's XXX of XXX is in XXX, can this condition be cancelled? ; ; | 01/08/2026 | XXX is in XXX Finding cancelled. | 01/08/2026 | C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000269 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/18/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XX% exceeds Guideline LTV of XX% Audited LTV of XX% exceeds Guideline LTV of XX% | ; Please waive for B grade - Comp factors XXX)XXX FICO (min XXX required XXX) $XXX in reserves ($XXX required) XXX) XXX owned free and clear with approx value $XXX. XXX) Bank Statements indicate borrower owns other properties in LLC as name of bank Statement is XXX and XXX LLC, XXX history just not documented to go over XX% LTV. LLC shows active since XXX ; XXX reviewing for exception consideration. ; ; ; ; ; | 01/08/2026 | Waived per client request. Client accepts risk for B grade and acknowledges the following four XXX compensating factors for this purpose: XXX)XXX FICO (min XXX required XXX) $XXX in reserves ($XXX required) XXX) XXX owned free and clear with approx value $XXX. XXX) Bank Statements indicate borrower owns other properties in LLC as name of bank Statement is XXX and XXX LLC, XXX history just not documented to go over XXX% LTV. LLC shows active since XXX aived per client request. Client accepts risk for B grade and acknowledges the following two XXX compensating factors for this purpose: XXX FICO, XX/XX/XXXX DSCR | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/19/2025 | Resolved | FCOM5814 | Compliance | TRID: Closing Disclosure Deficiency | Final Closing Instructions indicate XXX XXX accounts and XXX account are to be paid at closing. These debts are not listed in the debts paid at closing on page XXX Please provide a revised Closing Disclosure showing all debts paid with proceeds of refinance. | ; ; Documentation received, XXX to review.; Document Uploaded. CORRECTED CLOSING INSTRUCTIONS ; | 12/30/2025 | Updated closing disclosure received. | 12/30/2025 | 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%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000273 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing To cure the defect please provide the Affiliated Business Disclosure dated within XXX days of application. | ; Document Uploaded. ; | 12/22/2025 | Required Affiliated Business Disclosure Documentation Provided | 12/22/2025 | 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<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 250000275 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/19/2025 | Acknowledged | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing XXX months bank Statements as required per guidelines. One month Statement dated XX/XX/XXXX provided for accounts with XXX | ; ; Please waive for B Grade. Seller only requires XXX` month Statement to qualify. Discussed with XXX team and fine to move forward as long as XXX month bank Statement documented for assets used to qualify. Comp Factors: XX% LTV; XXX DSCR; XXX mos PITIA reserves.; | 01/02/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XX% LTV; XXX DSCR; XXX mos PITIA reserves. | 01/02/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000275 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/18/2025 | Resolved | FCRE1197 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX Borrower is a first-time investor, per lender guidelines this requires a minimum score of XXX | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 01/02/2026 | Audited FICO of XXX is greater than or equal to Guideline FICO of XXX | 01/02/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000275 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/19/2025 | Resolved | FCRE2109 | Credit | Missing Lender Income Calculation Worksheet | Missing Lender DSCR Calculations. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/02/2026 |  | 01/02/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000275 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/18/2025 | Resolved | FCRE3000 | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines Based on the loan application and fraud report, the Borrower owns only their XXX. Lender approval page XXX notes "borrower is experienced investor. Owns other property thru LLC" but there is no documentation showing this. As a result, the LTV has been set to XXX% with a minimum of XXX FICO and XXX months' reserves per lender guidelines. Borrowers' Management Intentions are not noted but it appears borrower will self-manage and does not qualify based on the lender guidelines. | ; Documentation received, XXX to review.; Document Uploaded. ; Borrower FICO below minimum of XXX - Please provide documentation borrower is experienced investor as noted.; | 01/02/2026 | Borrower Rental Experience Within Guidelines | 01/02/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000275 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/18/2025 | Acknowledged | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Need explanation for Credit inquiries. | ; Please waive for B Grade. Seller does not require inquiry letter on DSCR loans.. Discussed with XXX team and fine to move forward without. Comp Factors: XX% LTV; XXX DSCR; XXX mos PITIA reserves.; | 12/23/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XX% LTV; XXX DSCR; XXX mos PITIA reserves. | 12/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000277 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000279 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2025 | Acknowledged | finding-4038 | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (XX CFR XXXX.XX(e)(X))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Non-QM loan | ; Comp Factors: XXX% LTV, XXX% DTI; XXX mos PITIA reserves; Please waive for B Grade. Discussed with XXX team and fine to proceed as long as points and fees do not exceed XXX%.; | 12/26/2025 | Waived per client request. Client acknowledges EVX/B finding and accepts points and fees at XXX% on this loan. ; Points and fees total XXX% | 12/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| 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 XX.XX% is less than Guideline CLTV of XX% \| 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.<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000281 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 12/23/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Borrower is a first time homebuyer, missing required XXX months of verification of rental history | ; Documentation received in XXX review.; Document Uploaded. ; ; | 01/11/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 01/11/2026 | 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.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000283 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/19/2025 | Rescinded | finding-651 | Compliance | TILA Finance Charge Test | This loan failed the TILA finance charge test.(XX CFR §XXXX.XX(o)(X) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX The disclosed finance charge of XXX is not considered accurate because it is underStated by $XXX. The following fees were included in the calculation: Underwriting Fee XXX Processing XXX Flood Certification XXX Tax Service Fee XXX Settlement Fee XXX Recording Service Fee XXX and Interest $XXX. The finance charge is underStated by $XXX. The defect can be cured by reimbursing the consumer or providing information as to why the violation is invalid. If curing with a reimbursement, the following documents are required: LOE to consumer, PCCD, copy of refund, and proof of delivery (mailing label). | ; Document Uploaded. ; Documentation received, XXX to review.; | 01/02/2026 | TRID testing was XXX. Loan is business purpose XXX. ; TRID testing was XXX. Loan is business purpose XXX. ; Cure package provided to the borrower; exception downgraded to a X/B | 04/16/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000283 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/22/2025 | Rescinded | finding-3719 | Compliance | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | This loan failed the TILA finance charge test.(XX CFR §XXXX.XX(d)(X), transferred from XX CFR §XXX.XX(d)(X) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX The disclosed finance charge of XXX is not considered accurate because it is underStated by $XXX. The following fees were included in the calculation: Underwriting Fee XXX Processing XXX Flood Certification XXX Tax Service Fee XXX Settlement Fee XXX Recording Service Fee XXX and Interest $XXX. The finance charge is underStated by $XXX. The defect can be cured by reimbursing the consumer or providing information as to why the violation is invalid. If curing with a reimbursement, the following documents are required: LOE to consumer, PCCD, copy of refund, and proof of delivery (mailing label). | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/02/2026 | TRID testing was XXX. Loan is business purpose XXX. ; Cure package provided to the borrower; exception downgraded to a X/B; TRID testing was XXX. Loan is business purpose XXX. ; Cure package provided to the borrower; exception downgraded to a X/B | 04/16/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000285 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000287 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/23/2025 | Rescinded | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | ; ; There is a BPO in the file by XXX.; | 01/28/2026 | Desk review is contained in the loan file with value of XXX This review was completed by an unapproved vendor, but not cited because UCDP CU Score of XX/XX/XXXX is also contained in the loan file. Third party valuations meet guideline requirements. ; Third party valuation product provided within tolerance. | 01/28/2026 | C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000287 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/24/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(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 n estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). TILA XXXb Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the increase from XXX to XXX for the eClosing Fee added on LE XX/XX/XXXX. COC in file dated XX/XX/XXXX does not reference the e-closing fee or provide a reason for the addition of the fee. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 01/28/2026 | Cure package provided to the borrower within XXX days of discovery; exception downgraded to a X/B | 01/28/2026 | 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 XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000287 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/27/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Loan is a rate/term refinance with loan being paid off to XXX. Current mortgage history documentation required for rate/term refinance. | ; Please waive with compensating factors, account paid as agreed. Comp factors: XXX DTI, XX.XX% LTV, excellent reserves; Document Uploaded. ; ; Document Uploaded. ; ; Document Uploaded. ; ; | 01/28/2026 | Acknowledged/Waived per client request. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX DTI, XX.XX% LTV, excellent reserves.; ; Mortgage Statements provided show payments made, but does not show who is making payments. No documentation in file showing payment are coming from borrowers account or if borrower continued to make payments as demanded in divorce decree. ; Mortgage Statements provided showing mortgage in name of XXX. No documentation provided showing who made payments, as property is deeded to borrowers XXX and XXX; Mortgage Statements provided showing mortgage in name of XXX. No documentation provided showing who made payments, as property is deeded to borrowers XXX and XXX | 01/28/2026 | 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 XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000287 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/27/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Loan is a Rate/Term refinance. Current loan and taxes are in name of XXX XXX. NO documentation provided showing relation of XXX XXX to XXX and XXX. Current chain of title is unclear. | ; ; Document Uploaded. ; ; Document Uploaded. ; ; Document Uploaded. ; ; | 01/28/2026 | Divorce decree, warranty deed and LOE provided showing property history. ; Property Title Issue Resolved; Copy of title provided showing loan was deeded from XXX XXX to XXX and XXX. Mortgage and taxes remained in name of XXX XXX with no LOE or documentation showing relationship provided. | 01/28/2026 | 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 XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000289 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/29/2025 | Acknowledged | FCRE0363 | Credit | XXX Project is XXX | When the XXX is a (XXX) and the Loan Program is Agency (DU) the XXX Project: (No), in all circumstances, must be XXX. | ; XXX condo allowed - comp factors XXX) XX.XX% LTV XXX) DTI XXX% XXX) XXX FICO | 01/05/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledged the following compensating factors for this purpose: XXX) XX.XX% LTV XXX) DTI XXX% XXX) XXX FICO. | 01/05/2026 | 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 XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000291 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/23/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender's XXX-Month Avg of XXX (XXX% expense ratio) less than Audit's XXX-Month Avg of XXX (XXX% expense ratio). The Guideline Minimum Expense Ratio is XXX% | ; ; Expense ratio meets Originators guidelines. Borrower provides business management consulting, home based service business. Exception allowed with comp factors - XXX) XXX) XXX) | 12/31/2025 | Income and Employment Meet Guidelines | 12/31/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000293 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/22/2025 | 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 is missing on the preliminary title report. Provide title report covering loan amount of XXX | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/14/2026 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX | 01/14/2026 | 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 XXX years on job.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000293 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/22/2025 | Resolved | FCRE1337 | Credit | Borrower 1 Separation Agreement Missing | Borrower X Separation Agreement Missing Borrower provided letter of explanation for filing Chapter XXX bankruptcy in XXX was due to ex-spouse incurring lots of debt causing a divorce. Missing copy of divorce decree. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/06/2026 | Borrower X Separation Agreement Provided | 01/14/2026 | 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 XXX years on job.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000295 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/21/2025 | Acknowledged | FCRE8201 | Credit | Loan does not conform to program guidelines | XXX XXX Expanded vXX does not allow Business Entity Borrowers. The Note is in the name of XXX | ; ok to allow vesting in LLC with Personal Guaranty with comp factors XXX DTI, XXX FICO, XX% LTV; | 01/12/2026 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX DTI, XXX FICO, XX% LTV | 01/12/2026 | 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 XXX years on job.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000295 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCRE2500 | Credit | Missing Personal Guaranty | Missing Personal Guaranty. Personal Guaranty was not available at the time of review. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/09/2026 | Personal Guaranty provided. | 01/12/2026 | 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 XXX years on job.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000295 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCRE8611 | Credit | Income/Employment General | Rental and income calculations worksheet was not available at the time of review. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 01/09/2026 | Income worksheet provided. | 01/09/2026 | 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 XXX years on job.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000297 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCOM1224 | Credit | Condo Rider is Missing | Condo Rider is Missing Condo Rider was not available at the time of review. | ; Condo rider provided by seller in another finding, please resolve.; | 12/31/2025 | The Condo Rider is Present; | 12/31/2025 | 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000297 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/22/2025 | Rescinded | FCOM1229 | Credit | 1-4 Family Rider is Missing | X-X Family Rider is Missing. X-X Family Rider was not available at the time of review. | ; X-X Family Rider supplied with DOT copy provided by seller, please resolve.; | 12/31/2025 | Assignment of rents provided | 12/31/2025 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000297 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCOM1220 | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing Deed of Trust was not available at the time of review. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/29/2025 | The Deed of Trust is Present | 12/31/2025 | 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000299 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/22/2025 | Rejected | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Desk Review is provided by XXX, which is not recognized on XXX Expanded vXX guidelines as an approved XXX. | Xnd appraisal received but a similar comparable was not supplied. Large across the XXX line item adjustments made for square footage (all comparables are smaller by at least XX/XX/XXXX square feet) and no comparable with a similar finished basement. Property appears unique since a similar comparable was not provided.; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 01/09/2026 | Third party valuation product provided within tolerance. | 01/09/2026 | 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<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000301 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000303 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000305 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/23/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The loan file is missing VOR for XXX XXX | ; ; A Lease is in the loan file that shows XXX per month and the XXX as XXX We also have XXX months bank Statements in the file that was used for income.. all XXX shows XXX Payments to XXX. ; ; | 01/06/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing.; verified payment via XXX on bank Statements provided. | 01/06/2026 | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000305 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/23/2025 | Acknowledged | FCRE1493 | Credit | Trade line count does not meet program requirements | The borrower does not meet either of the credit tradeline requirements Guidelines require Two XXX tradelines must be open for XXX XXX months and active within the most recent XXX XXX months. Borrower has only one tradeline open. | ; ; ; ; ; ok to waive tradeline requirement - borrower has several closed accounts all paid as agreed and XXX scores were generated - comp factors XXX) XXX FICO XXX) Stable employment XXX) XX.XX% LTV | 01/02/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) XXX FICO XXX) Stable employment XXX) XX.XX% LTV | 01/02/2026 | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000305 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/23/2025 | Resolved | FCRE6873 | Credit | Fraud alert is present on the credit report | Credit report reflected SSN issues and the file is missing the third party validation supporting SSN has been validated. | ; SSN validation uploaded.; Document Uploaded. ; | 01/02/2026 | Third party validation for SSN provided. | 01/02/2026 | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000307 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000309 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000311 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000313 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000315 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/22/2025 | Acknowledged | FVAL7502 | Property | Subject property was listed for sale within a time period not allowed per guidelines | Subject property was listed for sale for XXX on XX/XX/XXXX and withdrawn on XX/XX/XXXX. Per guidelines the, "Property must be removed from listing for at least one month prior to application." The XXX was XX/XX/XXXX so this does not meet the guidelines. | ; Can you please tell XXX why the LOE is not clearing the condition when it touches on the wood rot and the peeling paint? ; Ok to allow prior listing, only listed for XXX days. Comp factors XXX) XXX DSCR XXX) XXX FICO XXX) seasoned investor; Document Uploaded. ; The DSCR guidelines say one month not XXX.. Yes the application XXX still less than XXX month. However the loan closed in Oct.. ; Documentation received, XXX to review.; Document Uploaded. ; Documentation received, XXX to review.; ; | 01/20/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX) XXX DSCR XXX) XXX FICO XXX) seasoned investor; Letter addressing lead paint provided, however does not address property being listed. ; Lead paint letter provided, does not address property listed for sale. | 01/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000315 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/22/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements BX and BX State that they are currently renting. Unable to locate a VOR for their rental history. | ; ; ; ; ok to accept print out of rental payments for BX and BX with comp factors - XXX) XXX DSCR, XXX) XXX FICO, XXX) seasoned investor; ; Documentation received, XXX to review.; Document Uploaded. ; | 12/31/2025 | Housing History Meets Guideline Requirements; | 01/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000315 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCRE2500 | Credit | Missing Personal Guaranty | Missing Personal Guaranty. Missing personal guaranty signed by all XXX guarantors on the loan. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 01/09/2026 | Personal Guaranty provided. | 01/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000315 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/22/2025 | Acknowledged | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing a signed LOE for all borrowers for credit inquiries | ; Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) XXX DSCR, XXX) XXX FICO, XXX) seasoned investor; ; ; ; ; ok to waive with comp factors - XXX) XXX DSCR, XXX) XXX FICO, XXX) seasoned investor; LOE for credit inquiries not required for DSCR loan. | 12/31/2025 | ; ; XXX requires all credit inquiries within XXX days to be explained. This can be waived to a B grade with XXX compensating factors. | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000315 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/23/2025 | Acknowledged | FCRE2393 | Credit | Missing an established escrow impound account for taxes and insurance. | Missing escrow account for taxes and insurance as required per XXX Expanded DSCR vXX guidelines. | ; Waive escrow impounds with comp factors - XXX DSCR, XXX FICO, seasoned investor | 12/29/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX DSCR, XXX FICO, seasoned investor | 12/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000317 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/24/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XX% exceeds Guideline LTV of XX% Max LTV for person not experienced investor (XXX years with income producing properties) is XX% CLTV. | ; ; Borrower not considered FTHB, owns property under his LLC. Ok to proceed, comp factors: ; Documentation received, XXX to review.; Document Uploaded. ; ; | 01/28/2026 | Acknowledged/Waived per client request. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX DSCR, XXX FICO, and good reserves. | 01/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000319 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/24/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(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 n estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). TILA XXXb 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 Appraisal Fee on CD XX/XX/XXXX. COC in file dated XX/XX/XXXX States the appraisal fee increased but does not provide a reason and was therefore not accepted. | ; Document Uploaded. ; Documentation received, XXX to review.; ; ; ; | 01/20/2026 | Cure package provided to the borrower within XXX days of discovery; exception downgraded to X/B | 01/20/2026 | 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<br> D<br> B<br> C<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000319 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/23/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Lender to document total monthly housing expense for XXX: Final XXXX shows XXX/mth for Tax/Ins/HOA however only docs provided for XXX/mth Tax & XXX/mth Ins & XXX/mth HOA which equals XXX/mth. Document the additional XXX/mth. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 01/12/2026 | ; ; Mortgage is vested as a single man when the borrower is married, which is an error in vesting Spousal consent is required in spousal States, which XXX is located in. | 01/12/2026 | 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<br> D<br> B<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000321 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCRE9814 | Credit | Missing Trust Agreement | Missing Trust Agreement A signed Trust Agreement was unable to be located in the file. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 01/08/2026 | Trust Agreement Meets Guideline Requirements | 01/08/2026 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000323 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/23/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Income does not meet guidelines, lender used XXX% expense factor calculation for XXX income. Guideline requires a minimum expense factor of XXX% or a CPA/Third party P&L can be used to establish the expenses (not provided) | ; ; ; Documentation received, XXX to review.; Document Uploaded. ; | 01/02/2026 | Income and Employment Meet Guidelines | 04/10/2026 | 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<br> C<br> A<br> B | A | A<br> C<br> B | A<br> C<br> B | A<br> C<br> B | A<br> C<br> B | A<br> C<br> B | A | A | A | A | A | A |
| 250000323 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/23/2025 | Resolved | FPRO1501 | Property | HOA Questionnaire is Incomplete | HOA Questionnaire incomplete Lender indicated HOA dues in the amount of XXX monthly on the XXX however, there are no HOA docs to verify in the loan file. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/02/2026 | HOA Questionnaire Provided | 01/02/2026 | 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<br> C<br> A<br> B | A | A<br> C<br> B | A<br> C<br> B | A<br> C<br> B | A<br> C<br> B | A<br> C<br> B | A | A | A | A | A | A |
| 250000325 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing required two full months asset Statements for XXX #XXX & #XXX. | ; Document Uploaded. ; Documentation received, XXX to review.; ; ; Document Uploaded. ; Documentation received, XXX to review.; | 02/05/2026 | Client provided last Statement needed for XXX #XXX dated XX/XX/XXXX. LM Updated.; Asset Qualification Meets Guideline Requirements; Client provided XXX Statement for XXX account #XXX which clears this account. The client also provided XXX Statement for account #XXX which was not used to qualify. Still need additional month bank Statement for XXX account #XXX. ; Asset Qualification Does Not Meet Guideline Requirements.; Asset Qualification Does Not Meet Guideline Requirements. | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 250000325 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | The Note contains signature lines for the borrowers as guarantors and as members of the LLC. The mortgage was signed by the borrowers as guarantors and as members of the LLC. The LLC's operating agreement is contained in the loan file, but the entity formation documents are missing. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/28/2026 | Client provided IRS ov screenshot reflecting XXX with an EIN of XXX-XXX. The client also re-uploaded the Operating Agreement for XXX. LM Updated.; Client provided IRS ov screenshot reflecting XXX with an EIN of XXX-XXX. The client also re-uploaded the Operating Agreement for XXX. LM Updated.; Client provided XXX Statement for account #XXX for XX/XX/XXXX - XX/XX/XXXX which clears #XXX. However, the client uploaded XXX Statements for account #XXX. Still need Xnd month Statement for XXX account #XXX. XX/XX/XXXX Statement was provided in file. ; Client provided IRS ov screenshot reflecting XXX with an EIN of XXX-XXX. The client also re-uploaded the Operating Agreement for XXX. LM Updated. | 01/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 250000325 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/23/2025 | Resolved | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XX% exceeds Guideline LTV of XX% The maximum LTV for a XXX unit cash out refinance with at least one vacant unit is XXX% | ; Documentation and comment received, XXX to review.; Document Uploaded. appears that XXX did not receive both lease agreement for both units. please see XXX. ; | 01/20/2026 | Audited LTV of XX% is less than or equal to Guideline LTV of XX% | 01/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 250000325 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/24/2025 | Resolved | FCOM1207 | Compliance | The Note is Not Executed | The Note is Not Executed The borrowers signed the note as individual guarantors, but not for the business entity. The business entity signature lines are blank. The mortgage was signed by the borrowers as guarantors and as members of the LLC. | ; Documentation and comment received, XXX to review.; Document Uploaded. appears loan bundle did not include the correct Note with all signatures. Please see atatched. ; | 01/20/2026 | The Note is Executed; Fully executed Note provided for review. | 01/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 250000327 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/24/2025 | 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. (XX CFR XXX(a)(XXX)). Cure - Provide evidence consumer received a copy of the appraisal XXX days prior to consummation XX/XX/XXXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/31/2025 | Evidence of appraisal delivery provided. | 12/31/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 250000329 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 12/24/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Privacy Disclosure indicates affiliates. | ; Document Uploaded. | 12/29/2025 | Required Affiliated Business Disclosure Documentation Provided | 12/29/2025 | 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.<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 250000331 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Acknowledged | FCRE1197 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX XXX Expanded P&L Program requires a minimum qualifying credit score of XXX | ; Document Uploaded. DD to waive for B Grade. Post close exception for FICO approved and XXX.; Post close exception approved. Please note that there will be XXX pricing adjustment for post close exception.; ; Exception Reviewed and was Declined. Please advise how to proceed if unable to cure - please notify if to withdraw loan.; XXX to review for possible exception. Quontic Guidelines min FICO is XXX; | 01/27/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Primary, DTI XXX% (max XXX%), $Xk+ monthly residual | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000331 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/24/2025 | Resolved | finding-4040 | Compliance | Qualified Mortgage APR Threshold Test | This loan failed the qualified mortgage APR threshold test. (XX CFR §XXXX.XX(e)(X)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus X.X%; orThe note amount for a second lien is greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%. Client allows Non-QM for rate spread. Finding provided for information only. | ; | 01/27/2026 | Client allows Non-QM for rate spread. Finding provided for information only. | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000331 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Acknowledged | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing XXX full months of bank Statement for XXX and XXX Bank XXX Please provide Statement ending XX/XX/XXXX. | ; ; Please waive for B Grade. Seller Guides only require XXX month bank Statement. Discussed with XXX team on previous loans and fine to waive as long as minimum of XXX month Statement documented for assets used to qualify. Comp Factors: XXX% DTI (Max XXX%); XXX per monthnth Residual Income; No Mortgage Lates.; | 01/27/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX% DTI (Max XXX%); XXX per monthnth Residual Income; No Mortgage Lates. | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000331 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | 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. | ; ; DD to review and update comments. XXX #XXX end balance $XXX. XXX #XXX end balance of $XXX. Final CD shows XXX cash for close needed. Reserves $XXX; Borrower needed XXX in FTC and XXX in reserves total XXX Verified funds $XXX.,XXX ; Exception Reviewed and was Declined. Please advise how to proceed if unable to cure - please notify if to withdraw loan.; | 01/27/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. Large source deposits were verified and sourced. Assets are sufficient. | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000331 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/27/2025 | Resolved | FCRE1157 | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/12/2026 | Hazard Insurance Policy is fully present | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000331 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) | ; Exception Reviewed and was Declined. Please advise how to proceed if unable to cure - please notify if to withdraw loan.; Quantic Guides require XXX mos PITIA with LTV over XXX%.; | 01/16/2026 | Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000331 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | 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 XXX XX/XX/XXXX or provide confirmation the lender has no affiliates. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/09/2026 | Required Affiliated Business Disclosure Documentation Provided | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000333 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/24/2025 | Resolved | FCRE5770 | Credit | Borrower 1 Credit Report is Missing | Borrower X Credit Report is Missing. The credit report is missing from the loan file. | ; Document Uploaded. Documentation received, XXX to review.; | 02/02/2026 | Borrower X Credit Report is not missing.; Client provided Credit Report for both Borrowers dated XX/XX/XXXX. LM Updated. | 02/02/2026 | 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 XXX years on job.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000333 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/24/2025 | Resolved | FCRE5771 | Credit | Borrower 2 Credit Report is Missing | Borrower X Credit Report is Missing. The credit report is missing from the loan file. | ; Document Uploaded. Documentation received, XXX to review.; | 02/02/2026 | Borrower X Credit Report is not missing.; Client provided Credit Report for both Borrowers dated XX/XX/XXXX. LM Updated. | 02/02/2026 | 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 XXX years on job.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000335 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCRE1241 | Credit | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing | ; Documentation received, XXX to review.; Document Uploaded. sales contract ; | 01/08/2026 | Purchase Contract Doc is not Missing, or is XXX. | 01/08/2026 | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000335 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/29/2025 | Acknowledged | FCRE8506 | Credit | Application Profile Missing | Missing required self-employment business narrative for XXX XXX Expanded v XX/XX/XXXX Bank Statement Income Program. | ; DD to waive for B Grade. Seller does not obtain narrative. Discussed with XXX team not listed in variance but fine to move forward without. Comp Factors: DTI: XXX%; FICO: XXX; XXX mos PITIA reserves; | 01/05/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: DTI: XXX%; FICO: XXX; XXX mos PITIA reserves | 01/05/2026 | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000337 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/26/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Rent loss insurance coverage does not appear to be in place, which is not compliant with the DSCR Program Guidelines dated XXX XXX As outlined in Section Legal / Insurance Requirements - Rent Loss Insurance (page XXX of XXX), a minimum of six months of coverage is required. | ; Documentation received, XXX to review; Document Uploaded. ; | 01/08/2026 | Rent Loss Coverage Present | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000339 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000341 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/29/2025 | Resolved | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XX.X% exceeds Guideline LTV of XX% Borrower purchased subject property XXX months ago, this is a delayed purchase and the recent sale price of XXX is being used (no documented improvements noted). | ; Condition reopened at validation on XX/XX/XXXX: due to max for XXX Refi LTV being XXX% (Delayed Purchase treated as XXX Refi). LTV discrepancy is due to lower purchase price in last XXX months being used as value as per XXX Guidelines. XXX to review for exception with Audited LTV of XX.X% being higher than program max at XXX% for XXX Refi.; ; Please review. Appears referring to DSCR guides for finding which this is XXX Expanded Alt Doc. Delayed Purchase Refinancing • Follow FNMA Seller Guide or DU findings LTV/CLTV/HCLTV for Rate and Term refinances must be met. The loan is treated as a Rate and Term refinance except for XXX transactions in Texas.; | 01/23/2026 | Audited LTV of XX.XX% is less than or equal to Guideline LTV of XX%; Max LTV for XXX Property R/T refinance (delayed purchase) with minimum XXX FICO is XXX%.; Audited LTV of XX.X% exceeds Guideline LTV of XX%; Audited LTV of XX.X% is less than or equal to Guideline LTV of XX% | 01/23/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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%<br> D<br> B<br> A<br> C | B | A<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000341 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/29/2025 | Acknowledged | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Only received XXX month asset Statement for XXX | ; ; ; Please waive for B Grade. Seller documents only XXX month bank Statement for assets. Reviewed with previous loans with XXX team and fine to proceed as long as min of XXX month Statement documented for assets used to qualify. Comp Factors: DTI: XXX%; FICO: XXX; XX/XX/XXXX mos PITIA reserves.; | 01/23/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX%; FICO: XXX; XX/XX/XXXX mos PITIA reserves. | 01/23/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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%<br> D<br> B<br> A<br> C | B | A<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000341 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/29/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower X Xrd Party VOE Prior to Close Missing VVOE not provided. | ; Documentation received, XXX to review.; Document Uploaded. self XXX verification; | 01/12/2026 | Borrower X Xrd Party VOE Prior to Close Was Provided | 01/23/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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%<br> D<br> B<br> A<br> C | B | A<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000341 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/29/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. No Xnd valuation provided, and CU score is > XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 01/13/2026 | Third party valuation product provided within tolerance. | 01/23/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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%<br> D<br> B<br> C<br> A | B | A<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000341 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/30/2025 | 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. (XX CFR XXX(a)(XXX)). | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/20/2026 | Evidence of appraisal delivery provided. | 01/23/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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%<br> D<br> B<br> A<br> C | B | A<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000343 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000345 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/29/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Lender exception provided for no primary housing expense. Borrower has owned subject property since XXX Compensating factors: LTV less than XXX% and monthly reserves are verified and at least XXX months more than guideline minimum. | ; | 01/14/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledged the following compensating factors for this purpose: LTV less than XXX% and monthly reserves are verified and at least XXX months more than guideline minimum. | 01/14/2026 | 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 CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000345 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/29/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Short form title report dated XX/XX/XXXX reflects loan amount coverage of XXX which is less than subject lien of XXX Provide title report covering loan amount of XXX | ; Updated coverage on schedule A of XXX UPDATED TITLE COMMITMENT DF - DD to review and update condition.; Document Uploaded. ; Documentation received, XXX to review.; Document Uploaded. ; | 01/14/2026 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; ; Updated escrow instructions received. Missing updated title showing sufficient title coverage. | 01/14/2026 | 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 CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000347 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000349 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000351 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/31/2025 | Acknowledged | FCRE8981 | Credit | Purpose does not meet eligibility requirement(s) | XXX DSCR vXX Guidelines State: For refinance transactions, XXX must be leased at the time of closing and the borrower must provide evidence that the property has been leased. Per the appraisal, the subject is a vacant XXX property, and there is no evidence that a lease is in place. | ; Please waive on exception for B grade Comp Factors: Prepay DSCR < XXX FICO XXX; ; XXX to review for post close exception. Post Close Exception entered into correspondent portal and pending review. DD to re-open finding.; Please submit for exception. We may have misunderstood guidelines, as guidelines reference that LTV reduction of XXX% is applicable to vacant refinances. These are new construction and we were told during training that this was acceptable. These are also rate/term refinances, not cash out.; | 01/22/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Prepay DSCR < XXX FICO XXX; Re-opened for XXX review | 01/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000351 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/31/2025 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document |  | ; ; ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; | 01/22/2026 | EIN provided ; The EIN for XXX is not contained in the documentation provided. Please provide the EIN. | 01/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000351 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/30/2025 | Resolved | FCRE1151 | Credit | Satisfactory Chain of Title not Provided | Unsatisfactory Chain of Title provided Need copy of Operating Agreement for XXX to verify XXX is sole member to establish chain of title from XXX to XXX. | ; Documentation received, XXX to review.; Document Uploaded. see XXX operating agreement for XXX showing XXX is the sole member; | 01/08/2026 | Satisfactory Chain of Title has been provided | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000353 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/29/2025 | Resolved | FCRE3653 | Credit | Missing letter of explanation | Provide executed LOE & supporting documentation regarding 'new loan' mentioned on Final XXXX, Declarations Item C. States borrowed money in the amount of XXX for this XXX transaction. | ; Documentation received, XXX to review.; Document Uploaded. Borrower LOE and Updated URLA; | 01/08/2026 | LOE from borrower provided with updated XXXX | 01/08/2026 | 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 XX.XX% is less than Guideline LTV of XX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000355 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/30/2025 | Acknowledged | FCRE8201 | Credit | Loan does not conform to program guidelines | Lender exception provided for use of rental income from ADU. No compensating factors provided. | ; Document Uploaded. Compensating factors provided; | 12/31/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: DSCR XXX Experienced investor with excellent credit history, Excess in reserves. (revised report XXX) | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000357 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000359 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/31/2025 | Rescinded | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements There are XXX bank accounts used to qualify. Both of these accounts are held by the Co-Borrower and a third party. The XXX party is not on the mortgage and there is no XXX% access letter from the third party allowing the Co-Borrower full access to these funds. | ; ; | 01/02/2026 | Received confirmation from XXX XXX Senior VP that this is not a requirement for XXX Expanded DSCR loans. Finding is rescinded. | 01/13/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000361 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000363 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/05/2026 | Cured | 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. (XX CFR §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(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 n 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 §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(vi). TILA XXXb 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 the increase of the recording fee from XXX to XXX on the final CD dated XX/XX/XXXX without valid COC. | ; Documentation received, XXX to review.; Document Uploaded. Hello, Cure Packet XXX and Shipping soon. I wanted to let you know that our team did our own review and we needed to do a cure IOA XXX due to Escrow error on the endorsement fee. You will see this amount added in the cure on the CD and the check in the packet but I wanted to inform so there is no confusion. Thank you!; ; Emailed question from seller to DD "Wanted to ask real quick before putting in the request for a cure check. The team and I noticed the Recording fee went down to XXX once the loan closed. Wouldn't the cure need to be XXX then instead?"; ; | 02/03/2026 | Cure package provided to borrower within XXX days of discovery. Exception downgraded to X/B.; Cure package provided to borrower within XXX days of discovery. Exception downgraded to X/B.; The cure, based on a recording fee of XXX would be $XXX. | 02/03/2026 | 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of X.X% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of X.X% is less than Guideline CLTV of XX%<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000365 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000367 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/02/2026 | 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. (XX CFR XXX(a)(XXX)). The borrower signed the appraisal delivery timing waiver, however there is no evidence a copy was provided at closing. Provide evidence when the report was delivered to confirm timing requirements were met. | ; Documentation received, XXX to review.; Document Uploaded. appraisal receipt confirmation ; | 01/08/2026 | Evidence of appraisal delivery provided. | 01/08/2026 | 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 CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000367 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Acknowledged | FCRE8506 | Credit | Application Profile Missing | Missing Business Narrative required for the XXX Expanded vXX Bank Statement Program. | ; Please waive for B Grade. Seller does not obtain when discussed but for some reason not included in variance. On other loans reviewed with XXX Team fine to proceed without. Comp Factors: XX.XX% LTV/CLTV; XXX% DTI, XXX FICO; | 01/05/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledged the following compensating factors for this purpose:: Comp Factors: XX.XX% LTV/CLTV; XXX% DTI, XXX FICO. | 01/05/2026 | 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 CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000369 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | 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. (XX CFR XXX(a)(XXX)). Provide evidence the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation XX/XX/XXXX. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 01/12/2026 | 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. (XX CFR XXX(a)(XXX)). The appraisal was provided to the Borrower X business day prior to consummation and the file doesnt contain documentation that the borrower waived the right to receive the appraisal at least XXX days prior to consummation | 01/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| 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%<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 250000369 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/02/2026 | 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. The disclosure provided was from Place XXX, not XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/09/2026 | Required Affiliated Business Disclosure Documentation Provided | 01/11/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| 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%<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 250000371 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000373 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000375 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/02/2026 | Rescinded | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Provide mortgage history for XXX. A Third Party Fraud report reflects XXX loan with XXX opened as of XXX. | ; DD to review. Property is vested in XXX Name: XXX XXX which is why not on CR either. VOM would not be needed if in LLC.; | 01/14/2026 | Property vested to LLC, not borrower. VOM not required as property is owned by an LLC. | 01/14/2026 | D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000375 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/02/2026 | Acknowledged | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Provide evidence of rent loss insurance covering a minimum of XXX months for the subject property for the greater of in-place or market rent. | ; ; Please waive for B Grade. Seller does not require rent loss. Discussed on previous loans with XXX Team and fine to proceed. Comp Factors: XXX mos PITIA reserves; DSCR: XXX; FICO: XXX; | 01/14/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX mos PITIA reserves; DSCR: XXX; FICO: XXX | 01/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000375 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/02/2026 | Acknowledged | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final XXXX is Incomplete Provide XXXX with updated REO section to include ownership and corresponding mortgage payments for the following properties: XXX, XXX XXX | ; ; Please waive for B Grade. Seller only requires subject property and primary to be disclosed on DSCR XXXX. Discussed on previous loans with XXX Team and fine to proceed. Comp Factors: XXX mos PITIA reserves; DSCR: XXX; FICO: XXX; | 01/14/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX mos PITIA reserves; DSCR: XXX; FICO: XXX | 01/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000375 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/02/2026 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Provide executed Business Purpose Affidavit. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/13/2026 | Business Purpose Affidavit/Disclosure Provided | 01/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000375 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/02/2026 | Resolved | FCRE2500 | Credit | Missing Personal Guaranty | Missing Personal Guaranty. Provide Guaranty Agreement. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/13/2026 | Personal Guaranty provided. | 01/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000375 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/06/2026 | Resolved | FCOM0362 | Compliance | Final HUD-XXX Document is Missing | Final HUD-XXX Document is Missing |  | 01/06/2026 | Final HUD-XXX Document is not missing or estimated only.; Final HUD-XXX Document is not missing.; Final HUD-XXX Document is not missing or estimated only.; Final HUD-XXX Document is not missing. | 01/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000375 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/02/2026 | Resolved | FCRE0394 | Credit | Borrower 1 XXX borrower XXX | Borrower X XXX borrower XXX. Provide Patriot Form or ID to verify identity and XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/13/2026 | XXX has been determined. | 01/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000375 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/02/2026 | Resolved | FCRE0395 | Credit | Borrower 2 XXX borrower XXX | Borrower X XXX borrower XXX. Provide Patriot Form or ID to verify identity and XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/13/2026 | XXX has been determined. | 01/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000377 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/05/2026 | Acknowledged | FCRE2393 | Credit | Missing an established escrow impound account for taxes and insurance. | Missing an established escrow account for taxes and insurance as required per XXX Expanded DSCR vXX guidelines. | ; Please waive for B grade - Comp factors XXX) XX% LTV (max XXX% allowed) XXX) XXX FICO (min XXX required) XXX) Reserves $XXX XXX) DSCR XXX (min XXX required); | 01/08/2026 | Waived per client request. Client accepts risk for B grade and acknowledges the following four XXX compensating factors for this purpose: XXX) XXX% LTV (max XXX% allowed) XXX) XXX FICO (min XXX required) XXX) Reserves $XXX XXX) DSCR XXX (min XXX required) | 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 CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000379 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000381 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000383 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/06/2026 | Acknowledged | FCRE2393 | Credit | Missing an established escrow impound account for taxes and insurance. | Missing an established escrow account for insurance as required per XXX Expanded DSCR vXX guidelines. Loan is escrowed for taxes only. | ; ; Please waive for B grade - Comp factors XXX) XXX FICO (min XXX required) XXX) Reserves $XXX XXX) XX% LTV (max XXX%). ; | 01/12/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) XXX FICO (min XXX required) XXX) Reserves $XXX XXX) XX% LTV (max XXX%). | 01/12/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000383 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/05/2026 | Acknowledged | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage | ; Please waive for B grade - Comp factors XXX) XXX FICO (min XXX required) XXX) Reserves $XXX XXX) XX% LTV (max XXX%). ; | 01/08/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) XXX FICO (min XXX required) XXX) Reserves $XXX XXX) XX% LTV (max XXX%). | 01/08/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000385 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Subject property is XXX condo within XXX unit complex. The seller waived the condo project review; XXX if the subject is XXX. | ; ; DD to review FNMA Guides for XXX Condos: A XXX condo is defined as any condo unit that is completely XXX from other condo units in the project. The unit may share no adjoining walls, ceilings, floors, or other XXX architectural elements (such as breezeways or garages) with any neighboring unit. A XXX condo unit may be in a project consisting solely of XXX units or in a development containing a mixture of XXX and XXX units. Site condos in which the unit XXX owns the XXX condo unit and the land upon which the unit is built are a type of XXX condo. The waiver of project review applies for new and established projects.; XXX Condo is just as a SFR. HOA is for common elements only; | 01/30/2026 | FNMA does not require review for XXX condos. | 01/30/2026 | 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 XXX years on job.<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 250000385 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | Resolved | FCRE1173 | Credit | HO6 Master Insurance Policy is Missing | Missing HO-X Master Insurance Policy | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; Documentation received, XXX to review.; Document Uploaded. ; | 01/30/2026 | HO-X Master Insurance Policy is fully present; Client provided HO-XXX policy with RCE. LM Updated.; ; HOX Master policy remains outstanding.. (condo) | 01/30/2026 | 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 XXX years on job.<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 250000385 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($) is insufficient, not meeting the required coverage amount of ($XXX). |  | 01/30/2026 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 01/30/2026 | 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 XXX years on job.<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 250000385 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower X Xrd Party VOE Prior to Close Missing Verbal Verification of Employment performed within XXX business days prior to the XXX is missing. | ; Escalated for Review.; CPAs should be good for XXX days. Can this be escalated?; ; Documentation received, XXX to review.; Document Uploaded. ; | 01/27/2026 | Borrower X Xrd Party VOE Prior to Close Was Provided; Escalated for Review.; Client provided CPA letter verifying the CPA has been completing the borrower taxes for years XXX-XXX. However, the CPA is dated XX/XX/XXXX and the XXX is XX/XX/XXXX. Missing Verbal Verification of Employment performed within XXX business days prior to the XXX is missing. | 01/27/2026 | 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 XXX years on job.<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 250000387 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/06/2026 | 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. (XX CFR §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(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 n 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 §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(vi). TILA XXXb 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 from $XXX to XXX title insurance, XXX to XXX title examination, XXX to XXX recording fee. Final Charges That In Total Cannot Increase More Than XXX% Total = $ XXX Comparable Charges That In Total Cannot Increase More Than XXX% = Total XXX ($XXX title insurance, XXX settlement/closing, recording $XXX) Tolerance variance amount for charges that in total cannot increase more than XXX% = XXX (Could not locate a SSPL so fees were tested as XXX%) | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/09/2026 | SSPL provided; exception resolved; SSPL provided; exception resolved | 01/09/2026 | 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 XXX years on job.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000389 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/05/2026 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Business Purpose Affidavit/Disclosure is Missing. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/11/2026 | Business Purpose Affidavit/Disclosure Provided | 01/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000391 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Borrower's business,(XXX), has been in existence less than the required two XXX years. Certificate of Organization show it was established on XX/XX/XXXX. | ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; | 01/22/2026 | CPA letter received showing borrowers business in existence for past XXX years. ; Income and Employment Meet Guidelines; Business license provided that expired in XXX Business license is for same business but different address. Documentation needed to shows that business has been licensed continuously for the most recent XXX years. | 01/22/2026 | 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 CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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 LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 250000391 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/02/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Notice disclosure, XXX has affiliates. Please Provide the Affiliated Business disclosure that was provided to the consumer within XXX business days of application XX/XX/XXXX that confirms the lender has affiliates. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/14/2026 | Required Affiliated Business Disclosure Documentation Provided | 01/22/2026 | 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 CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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 LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> D<br> A<br> B | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 250000391 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/06/2026 | Resolved | FCRE8506 | Credit | Application Profile Missing | Missing required business narrative for XXX Bank Statement program | ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; | 01/20/2026 | Client provided Borrower Business Narrative for Accelerated Achiever Academy (formerly XXX) dated XX/XX/XXXX. Cleared.; Client provided Bank Statement calculation worksheet and Re-Uploaded CPA Letter. Missing required business narrative for XXX Bank Statement program. | 01/20/2026 | 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 CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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 LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 250000391 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/06/2026 | Resolved | FCRE2109 | Credit | Missing Lender Income Calculation Worksheet | Missing required lender bank Statement inventory/expense factor calculation | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/20/2026 | Client provided Income Calculation Worksheet and Expense Ratio used for bank Statement calculation. LM Updated. | 01/20/2026 | 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 CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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 LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 250000393 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000395 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/05/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXX DSCR vXX guidelines require two full months of asset verification. File contains one-month Statements for XXX acct #XXX, #XXX and #XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 01/12/2026 | XXX months Statements received. ; Asset Qualification Meets Guideline Requirements | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000397 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/05/2026 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Require title endorsement to title commitment for updated and correct loan amount of $XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/08/2026 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX | 01/08/2026 | 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 XX.X% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.X% is less than Guideline CLTV of XX%<br> C<br> A<br> B | C | A<br> C<br> B | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> A | A | A | A | A | A |
| 250000397 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/02/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Cure- Provided evidence borrower consented to sign and receive documents electronically. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/07/2026 | Evidence of eConsent is provided. | 01/08/2026 | 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 XX.X% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.X% is less than Guideline CLTV of XX%<br> C<br> A<br> B | C | A<br> C<br> B | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> A | A | A | A | A | A |
| 250000397 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/02/2026 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR §XXXX.XX(f)(X)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXXX.XX(f)(X)(i) no later than three business days before consummation. The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/07/2026 | Initial CD provided; exception resolved; Initial CD provided; exception resolved | 01/07/2026 | 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 XX.X% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.X% is less than Guideline CLTV of XX%<br> C<br> A<br> B | C | A<br> C<br> B | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> A | A | A | A | A | A |
| 250000399 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000401 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Commitment dated XX/XX/XXXX shows Policy Amount of XXX Lender to provide revised commitment or final policy w/sufficient coverage ($XXX). | ; Documentation received, XXX to review.; Document Uploaded. Page XXX of the title XXX should correct this.; | 01/12/2026 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX | 01/12/2026 | 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.<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 250000401 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | 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. (XX CFR XXX(a)(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 is required, but missing from the file. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/09/2026 | Evidence of appraisal delivery provided. | 01/11/2026 | 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.<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 250000403 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/05/2026 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | DSCR is required to be calculated on the lesser of the lease amount or third party market rent. Appraisal indicates property is tenant occupied, but lease agreement is missing. Please provide copy of current lease agreement. | ; Documentation received in XXX review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; | 02/04/2026 | Lease from XXX received. ; Lease provided but has multiple inconsistencies. Lease is dated XX/XX/XXXX, however commencement date is XX/XX/XXXX but expires XX/XX/XXXX. Lease contains white out used. XXX signed lease XX/XX/XXXX but tenant signed XX/XX/XXXX. Lease is considered invalid based off of inconsistencies in dates. | 02/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000405 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/06/2026 | Resolved | FCRE3599 | Credit | Borrower owns more financed properties than allowed per guidelines | The commercial loan applications in file for XXX refinances indicate the Lender is financing XXX other properties and the subject with loan amounts exceeding maximum exposure of XXX million per FMHL DSCR guidelines. Lender has provided an Exception in file. Compensating factors: Seasoned investor with employment over XXX years; Reserves XXX months more than requirement; Long Term Employment (>XXX years); Long Term Homeownership (>XXX years). With XXX loans received to date, exposure to XXX totals XXX | ; ; XXX may review for exception. Please provide evidence of total exposure for review with loan amount and each property included. Exception provided was internal exception from FMHL which is outside of variance approved. Please provide as requested on XX/XX/XXXX update for review. - DD to reopen condition.; we previously provided our exception... not sure what else XXX is looking for ; ; Per FMHL Variance: Maximum exposure of XXX or XXX loans. Exception uploaded appears to be internal exception approval outside of what listed in variance. XXX may review for exception on case by case basis but will need evidence of all exposure for review.; Documentation received in XXX review.; Document Uploaded. FM exception; | 01/16/2026 | Client confirmed exposure to XXX is under $Xmm and meets XXX DSCR guidelines vXX. Seller exception includes additional properties owned, but not purchased by XXX. Finding is resolved. ; ; FMHL approved exception received, approved exception from XXX required. | 01/16/2026 | 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 XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000405 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/06/2026 | Resolved | FCOM1232 | Credit | The Final 1003 is Missing | The Final XXXX is Missing File contains a Lender DSCR application only. Provide a final executed XXXX with all properties disclosed. The Final XXXX is Missing File contains a Lender DSCR application only. Provide a final executed XXXX with all properties disclosed. | ; ; Please note that exclusion of a Final XXXX is not listed on variance as being acceptable - Please provide snip from FMHL guidelines as this was not reviewed. XXX may consider for exception - DD to re-open condition pending review of FMHL guidelines.; per our guidance, XXX was going to follow our guidelines which does not require a Final XXXX on DSCR loans ; ; Documentation received in XXX review.; Document Uploaded. per our DSCR guidelines, a final application would not be required. The enclosed initial application would be sufficient ; | 01/16/2026 | The Final XXXX is Present; Client confirmed borrower information form provided meets XXX Expanded DSCR guidelines vXX. Finding is resolved. ; ; XXX XXX DSCR guidelines requires a XXXX with all properties listed. FMHL variance provided does not indicate that a different application is approved. | 01/16/2026 | 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 XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000405 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/05/2026 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Missing asset Statement to cover closing costs and reserves | ; Documentation received, XXX to review.; Document Uploaded. enclosed please find the settlement Statements for XXX other loans that our borrower closed (cash out) at the same time ; | 01/12/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 01/16/2026 | 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 XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000405 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/05/2026 | 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 asset Statement to cover closing costs and reserves | ; Documentation received, XXX to review.; Document Uploaded. enclosed please find the settlement Statements for XXX other loans that our borrower closed (cash out) at the same time ; | 01/12/2026 | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 01/16/2026 | 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 XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000405 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/06/2026 | Rescinded | FCRE8981 | Credit | Purpose does not meet eligibility requirement(s) | XXX DSCR vXX Guidelines State: For refinance transactions, XXX must be leased at the time of closing and the borrower must provide evidence that the property has been leased. The subject is a vacant XXX property, and there is no evidence that the property has a lease in place. | ; DD to review and clear. Per FHLM Variance: Refinance Transactions • Required documentation: o FNMA form XXXX or XXX reflecting long term market rents, and lease agreement if property is leased. o A vacant or unleased property is allowed without LTV restriction. o Monthly Gross Rents are determined by the higher of actual lease amount or market rent from XX/XX/XXXX. o If using a higher monthly actual lease amount, evidence of XXX-months of receipt is required. Underwriter discretion and/or additional review is required if the actual rent exceeds the market rent by more than XXX% o If using a higher estimated market rent from XXX/ XXX it must be within XXX% of the lease amount. If the estimated market rent exceeds the lease amount by more than XXX% the estimated market rent is capped at XXX% ; FM guidelines do not require this ; | 01/12/2026 | FM Variance permits unleased properties. | 01/12/2026 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000407 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/06/2026 | Resolved | FCOM1209 | Compliance | Note Does Not Indicate a XXX but CD Indicates a XXX | Closing Disclosure reflects a XXX; however, the Note does not contain XXX terms and no XXX Rider is included with the Deed of Trust. Please provide documentation required to support disclosed XXX. | ; Fully executed PPP Rider and Addendum to Note provided. LMAC data updated. ; Documentation received, XXX to review.; Document Uploaded. ; | 01/20/2026 |  | 01/20/2026 | C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000409 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/06/2026 | Acknowledged | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines There is a XXX approved exception in file for missing income documentation. The documentation provided meets guidelines. Compensating factors: Fico is XXX; DTI is XXX%; LTV is XX.XX%. | Income and Employment Do Not Meet Guidelines There is a XXX approved exception in file for missing income documentation. The documentation provided meets guidelines. Compensating factors: Fico is XXX; DTI is XXX%; LTV is XX.XX%. | 01/07/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledged the following compensating factors for this purpose: FICO is XXX; DTI is XXX%; LTV is XX.XX%. | 01/07/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| 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 XX.XX% is less than Guideline CLTV of XX% \| 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%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000411 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000413 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/05/2026 | Waived | FCRE3000 | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines Per XXX DSCR vXX, Experienced Borrower: A Borrower who owned two XXX or more properties concurrently for a minimum of XXX months within the most recent XXX months. One XXX property must be an income producing property (residential or commercial). Borrowers that intend to self-manage the property must meet at least one of the following requirements: Have three XXX years of experience managing income producing properties. Have a certification or proof of equivalent coursework in XXX XXX. First Time Investors allowed with XXX minimum FICO, max XX% LTV, XXX months reserves. Max LTV has been exceeded for first time investor. | ; Document Uploaded. DD to waive for B Grade. Exception approval XXX.; Post close exception approved with XXX pricing implication for exception. ; Post Close Exception Request Submitted for Review. Please note terms of rural property exception were not met - Pending Review of Layered Exception Request.; Document Uploaded. Documentation received, XXX to review.; Exception request XXX; | 02/11/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR > XXX months reserves, FICO XXX (min FICO XXX); Document Uploaded. Exception request XXX. | 02/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000413 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/05/2026 | Waived | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XX% exceeds Guideline LTV of XX% Per XXX DSCR vXX, First Time Investors allowed with XXX minimum FICO, max XX% LTV, XXX months reserves. Max LTV is XX% and loan has XX% LTV. | ; Document Uploaded. DD to waive for B Grade. Exception approval XXX.; Post close exception approved with XXX pricing implication for exception. ; Post Close Exception Request Submitted for Review. Please note terms of rural property exception were not met - Pending Review of Layered Exception Request.; Documentation received, XXX to review.; Document Uploaded. Exception request XXX; | 02/11/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR > XXX months reserves, FICO XXX (min FICO XXX); Client States: Document Uploaded. Exception request XXX. | 02/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000415 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/06/2026 | Acknowledged | FCRE5123 | Credit | Missing Business Entity Formation Document | Missing Business Narrative for Bank Statement Program. | ; Please waive for B grade XXX) FICO XXX (min XXX required) XXX) $XXX in reserves XXX) XX% LTV (max XXX%) ; ; | 01/11/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) FICO XXX (min XXX required) XXX) $XXX in reserves XXX) XX% LTV (max XXX%) | 01/11/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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 XX.XX% is less than Guideline LTV of XX%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000417 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000419 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000421 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The following is required and was not found in in the loan file: - Copy of UCC filed XX/XX/XXXX evidencing it is connected to home equity loan from XXX as shown on the borrower's credit report - XXX HELOC is not included in the LTV/CLTV evidence the HELOC is closed was not found in the file | Documentation received, XXX to review.; Document Uploaded. Please see XXX payoff and it's listed on the final settlement Statement to be paid at closing. Kindly review and advise ,; ; | 01/09/2026 | Property Title Issue Resolved | 01/11/2026 | 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%<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000423 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/07/2026 | Acknowledged | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXX Expanded vXX guidelines require two months of bank Statements to verify assets. File only contains one month of bank Statements for Bank of Hawaii ending in XXX dated XX/XX/XXXX and XXX XXX Bank ending in XXX dated XX/XX/XXXX. | ; Please waive for B Grade. Seller only requires XXX month to document assets. Discussion with XXX Team on other files, fine to proceed as long as minimum of XXX month bank Statement provided for each account used to qualify. Comp Factors: XX.XX% LTV/CLTV; XX/XX/XXXX mos PITIA reserves; DTI: XXX%; FICO: XXX; | 01/12/2026 | Waived per client request. Client accepts risk for B grade and acknowledges the following four XXX compensating factors for this purpose: XX.XX% LTV/CLTV; XX/XX/XXXX mos PITIA reserves; DTI: XXX%; FICO: XXX | 01/12/2026 | 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<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000425 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000427 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 01/06/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Notice disclosure, XXX has affiliates. Please Provide the Affiliated Business disclosure that was provided to the consumer within XXX business days of application XX/XX/XXXX that confirms the lender has affiliates. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/13/2026 | Required Affiliated Business Disclosure Documentation Provided | 01/13/2026 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 250000429 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of HOA dues for XXX property "XXX #XXX". | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 01/15/2026 | REO docs for property provided | 01/15/2026 | 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 XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000431 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/07/2026 | Acknowledged | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Rent loss coverage equal to six months is required and not provided. | ; Please waive for B grade Comp factors XXX) reserves $XXX XXX) XXX FICO XXX required) XXX) XX% LTV max XXX% allowed ; | 01/12/2026 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) reserves $XXX XXX) XXX FICO XXX required) XXX) XX% LTV max XXX% allowed | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000431 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/08/2026 | Acknowledged | FCRE2393 | Credit | Missing an established escrow impound account for taxes and insurance. | Missing an established escrow account for taxes and insurance as required per XXX Expanded DSCR vXX guidelines. The loan is impounded for taxes only. | ; Please waive for B grade Comp factors XXX) reserves $XXX XXX) XXX FICO XXX required) XXX) XX% LTV max XXX% allowed ; | 01/12/2026 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) reserves $XXX XXX) XXX FICO XXX required) XXX) XX% LTV max XXX% allowed | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000433 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/07/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | PITIA and possible HOA for XXX is missing. | ; ; Documentation received, XXX to review.; Document Uploaded. ; CONDITION UPDATED XXX ; Documentation received, XXX to review.; Document Uploaded. ; | 01/27/2026 | Client provided Mortgage Statement for XXX reflecting Taxes and Insurance escrowed. Cleared.; Client provided a Statement from XXX at XXX. reflecting a monthly HOA payment of $XXX. MISSING MORTGAGE Statement to verify Taxes and Insurance included in Mortgage payment. | 01/27/2026 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000435 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/06/2026 | 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. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/12/2026 | Required Affiliated Business Disclosure Documentation Provided | 01/12/2026 | 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.<br> C<br> A<br> B | B | A<br> C | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> A | A | A | A | A | A |
| 250000435 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO1136 | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis The subject property is new construction, and the appraisal was done "subject to completion". The file is missing the required Appraisal completion form XXX confirming the subject was complete prior to close. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/12/2026 | Primary Value Subject Property Appraisal is completed on an As-Is Basis or XXX | 01/12/2026 | 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.<br> C<br> A | B | A<br> C | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> A | A | A | A | A | A |
| 250000437 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required: Provide Initial CD and evidence of receipt for testing. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR §XXXX.XX(f)(X)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXXX.XX(f)(X)(i) no later than three business days before consummation. | ; Document Uploaded. ; Documentation received, XXX to review.; ; ; ; Document Uploaded. ; Documentation received, XXX to review.; | 01/23/2026 | Initial CD with receipt date provided; exception resolved; The Initial CD dated XX/XX/XXXX did not have a receipt date, using the mailbox rule the CD was not received by the borrower timely; The Initial CD dated XX/XX/XXXX did not have a receipt date, using the mailbox rule the CD was not received by the borrower timely | 01/23/2026 | 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<br> D<br> B<br> C<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000437 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Acknowledged | FCRE0376 | Credit | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Coborrower does not meet requirements for minimum tradelines. Per guidelines, must have XXX tradelines open for XXX months, and active within the most recent XXX months, or XXX tradelines reporting XXX months of recent activity. | ; ; ; Please review for B Grade.. Verified Assets $XXX, FICO XXX; Documentation received, XXX to review.; Document Uploaded. ; | 01/23/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: Verified Assets $XXX, FICO XXX; Received a copy of the credit report dated XXX. The Co-Borrower does not meet requirements for minimum tradelines. Per guidelines, must have XXX tradelines open for XXX months, and active within the most recent XXX months, or XXX tradelines reporting XXX months of recent activity. | 01/23/2026 | 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<br> D<br> B<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000437 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCRE1161 | Credit | Flood Certificate Missing | Missing Flood Certificate | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 01/23/2026 | Received Flood Cert. Exception Resolved. | 01/23/2026 | 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<br> D<br> B<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000439 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 01/07/2026 | Resolved | FCRE1304 | Credit | Income 1 Income Trend is Decreasing | Income X Income Trend is Decreasing The Borrower has been qualified using XXX months business bank Statement income. The monthly net deposits have gradually decreased in the last XXX months from XXX to XXX which is a XXX% decline in income. XXX Expanded VXX Guidelines require an LOX from the borrower addressing the declining income. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/16/2026 | Income X Income Trend is Resolved | 04/16/2026 | 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.<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 250000439 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 01/07/2026 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | The borrower's credit report dated XXX shows no credit inquiries. The Gap report in file dated XXX to monitor for undisclosed debt only reflects the lender's tri-merge inquiry but also reflects a new collection dated XXX for XXX File is missing the required LOX from the borrower confirming no new debt has been opened and addressing the new collection. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/16/2026 | LOX for credit received regarding rental property. | 01/16/2026 | 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.<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 250000439 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 01/07/2026 | Resolved | FCOM2137 | Compliance | Lender did not provide ATR/QM Status Determination | The file does not contain any compliance reports from seller as required. Lender did not provide ATR/QM Status Determination. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 01/16/2026 | Lender QM ATR status provided. | 01/16/2026 | 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.<br> D<br> A<br> B | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 250000439 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 01/07/2026 | Rescinded | FCRE1441 | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements The Gap Report in file dated XXX reflects a new collection reported XXX for XXX There is nothing in file that confirms this collection was paid prior to closing and does not appear as paid on the FCD. XXX Expanded VXX guidelines require use of FNMA guidelines for unpaid collections. The amount of the this collection exceeds the amount permitted. | ; ; Documentation received, XXX to review.; Document Uploaded. o/o primary - not required to be paid; | 01/16/2026 | Per FNMA, XXX collections do not need to be paid at closing, only XXX. | 01/16/2026 | D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 250000439 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 01/07/2026 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The Final XXXX indicates the borrower has lived "rent free" with his mother at his current primary address for the last XXX years. An LOX from his mother and her utility bill have been provided. However, the undisclosed collection on the Gap credit report provided reflects "rental" as category. Additionally, the seller's fraud report reflects an alert regarding potentially derogatory activity involving the borrower's current place of residence and XXX additional undisclosed properties. | ; Document Uploaded. Documentation received, XXX to review.; LOX for collection account should clear this stip too.; | 01/16/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing, LOX received regarding rental history | 01/16/2026 | 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.<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 250000441 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | finding-3716 | Compliance | CA Per Diem Interest Amount Test | This loan failed the per diem interest amount test. (XXX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan XXX exceeds the per diem interest charge or credit threshold ($XXX) LEASE NOTE: An additional XXX buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences XXX on the per diem interest settings page. The violation may be cured by providing a PCCD with the true disbursement date and the final charged per-diem amount and/or providing the method used for calculating daily interest (XXX and XXX pre-paid interest days per year were tested and both failed) or by refunding the overage. If a refund is provided, the following documents are required: LOE to consumer, updated PCCD, copy of refund, and proof of delivery. | ; Document Uploaded. PCCD Showing correct Disbursement date.; Documentation received, XXX to review.; Confirmed with Internal XXX Compliance Officer, added notes for clarification.; | 01/21/2026 | PCCD provided; Exception resolved; This loan failed the per diem interest amount test. (XXX Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan XXX exceeds the per diem interest charge or credit threshold ($XXX) LEASE NOTE: An additional XXX buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences XXX on the per diem interest settings page. The violation may be cured by providing a PCCD with the true disbursement date or providing a cure of XXX which should include LOE to consumer, updated PCCD, copy of refund check, and proof of delivery. | 01/21/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| 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.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000443 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/08/2026 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final XXXX is Incomplete Final XXXX Section XXX Financial information - XXX section is incomplete as the liabilities section reflects two mortgages XXX) XXX monthly payment of XXX and XXX) XXX monthly payment of XXX not disclosed in section XXX of the loan application. Additionally, employer is listed as "XXX" and bank Statements used for income qualification are under "XXX". Provide updated Final XXXX disclosing all properties owned by borrower and clarification of business name. | ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; ; Document Uploaded. DD to review. DBA is listed on Business Narrative as being one and the same as XXX; | 02/03/2026 | The Final XXXX is Present; Client provided Evidence that the XXX Mortgages listed on the XXXX were withdrawn, Debt Monitoring reflecting No events have been reported and LOE for Business. LM Updated.; LOE for business received, however property documentation was not addressed/provided.; ; Verified that XXX is listed on the Business narrative, however no evidence that borrower is the XXX of XXX. CPA letter does not reference XXX. | 04/15/2026 | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000443 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/08/2026 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is XXX | Hazard Insurance Policy XXX Provided Hazard insurance provided reflects XXX as the insurer vs. borrower's name. Provide updated hazard insurance with correct insurer name. | ; Documentation received in XXX review.; Document Uploaded. subject policy with borrower as named insured; ; Documentation received, XXX to review.; Document Uploaded. ; | 02/10/2026 | Hazard Insurance Policy is fully present; Client provided updated Hazard Policy for the subject property reflecting the Borrower has insured party. LM Updated.; Insurance provided showing in the name of XXX, not in borrower's name. Policy for borrower required. | 02/10/2026 | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000443 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/08/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, hazard insurance and HOA dues for XXX "XXX" and "XXX". The property address for XXX not provided other than having a mortgage of XXX with monthly payment of XXX disclosed in the liabilities section of the Final XXXX. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; | 02/10/2026 | Client provided evidence XXX XXX is in the name of XXX Hogan, The recent application with XXX was withdrawn XXX and Loan Quality Debt Monitoring reflecting No events have been reported. ; LOE for business received, however property documentation was not addressed/provided. | 02/10/2026 | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000443 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/08/2026 | Acknowledged | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing XXX full months of assets for the following: XXX accounts XXX and XXX Statements dated XX/XX/XXXX and XXX accounts XXX and XXX Statements dated XX/XX/XXXX. | ; ; Please waive for B Grade. Seller only documents with XXX month bank Statement. Discussed with XXX Team on previous loans for seller and fine to proceed as long as minimum of XXX month bank Statement documented for assets used to qualify. Comp Factors: XXX Mos PITA reserves; DTI: XXX%; FICO: XXX; | 02/10/2026 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX Mos PITA reserves; DTI: XXX%; FICO: XXX | 02/10/2026 | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000443 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/08/2026 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing housing history for XXX and XXX (property address not provided) mortgage of XXX and monthly payment of XXX disclosed on the Final XXXX. Housing history requirement of XXX not met per XXX Expanded vXX guidelines. | ; Documentation received in XXX review.; Document Uploaded. primary mortgage Statement in spouse name only ; ; Documentation received, XXX to review.; Document Uploaded. ; | 02/09/2026 | Housing History Meets Guideline Requirements; Statement showing property at XXX in spouses name only and borrower not responsible for. ; LOE for business received, however property documentation was not addressed/provided. Missing housing history for XXX. | 02/09/2026 | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000443 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/08/2026 | Resolved | FCRE1253 | Credit | Missing Property Tax Cert | Missing Property Tax Cert Final XXXX and XXX reflects XXX for monthly taxes. Property tax certification reflects taxes of XXX / XXX = XXX month. Provide verification of subject property taxes. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/20/2026 | Property Tax Cert Provided | 01/20/2026 | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000445 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/09/2026 | Resolved | FPRO3678 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Appraisal was completed subject to plans & specs. Per comments on XXXXD page XXX construction is complete other than a few backorder and/or seasonal items. Lender ok with this per appraiser comments but no exception was noted in the file. Per letter page XXX the backordered items contain some safety issues, the full list of items needed are: carpet, interior doors, staircase and deck rails, side steps from deck, exterior lighting, and front service walk. | ; Documentation received, XXX to review.; Document Uploaded. Please see XXX completion report to clear condition.; \*CURE: XXXXD would need to be completed showing work has been completed noted. The full list of items needed are: carpet, interior doors, staircase and deck rails, side steps from deck, exterior lighting, and front service walk.; ; | 03/13/2026 | The issue with the property has been resolved. | 03/13/2026 | 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 XXX years on job.<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000447 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/08/2026 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing | ; Documentation received, XXX to review.; Document Uploaded. BUSINESS PURPOSE; | 01/14/2026 | Business Purpose Affidavit/Disclosure Provided | 01/14/2026 | 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 CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000449 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(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 n estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). TILA XXXb 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 Points loan discount fee. The change occurred on CD issued XX/XX/XXXX without a valid COC. Although there is a COC dated XX/XX/XXXX in the file, it States that the loan type or loan program has changed at no cost to borrower. Providing a valid reason for the change may cure the violation. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/12/2026 | Valid COC with applicable CD provided; exception resolved; Valid COC with applicable CD provided; exception resolved | 01/12/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000451 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | finding-4040 | Compliance | Qualified Mortgage APR Threshold Test | XXX Expanded vXX allows non-QM due to rate spread. Condition is for information only. This loan failed the qualified mortgage APR threshold test. (XX CFR §XXXX.XX(e)(X)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus X.X%; orThe note amount for a second lien is greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%. | ; ; | 01/14/2026 | Information only. | 01/14/2026 | 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%<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 250000451 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/09/2026 | Resolved | FCOM1231 | Credit | The Initial 1003 is Missing | The Initial XXXX is Missing Provide initial XXXX. | ; Document Uploaded. Please see XXX the complete disclosure and kindly advise; Documentation received, XXX to review.; | 01/14/2026 | The Initial XXXX is Present | 01/14/2026 | 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%<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 250000451 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Documentation Required to clear exception. Provide Homeownership Counseling Disclosure within XXX days of the application. | ; Documentation received, XXX to review.; Document Uploaded. Please see XXX the complete disclosure and kindly advise; | 01/13/2026 | Homeownership Counseling Disclosure Is Present or XXX | 01/14/2026 | 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%<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 250000451 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | FCOM3608 | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required to clear exception. Provide proof of borrower's Intent to Proceed. | ; Documentation received, XXX to review.; Document Uploaded. Please see XXX the complete disclosure and kindly advise; | 01/13/2026 | Proof of Intent to Proceed has been provided. | 01/14/2026 | 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%<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 250000451 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation Required to clear exception. Missing the Initial Closing Disclosure. Please provide the Initial Closing Disclosure. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR §XXXX.XX(f)(X)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXXX.XX(f)(X)(i) no later than three business days before consummation. | ; Documentation received, XXX to review.; Document Uploaded. Please see XXX the complete disclosure and kindly advise; | 01/13/2026 | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | 01/13/2026 | 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%<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 250000451 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | FCOM1252 | Compliance | TRID: Missing Loan Estimate | Documentation required to clear exception. Missing initial Loan Estimate within XXX days of the XXX. Provide all Loan Estimates. | ; Documentation received, XXX to review.; Document Uploaded. Please see XXX the complete disclosure and kindly advise; | 01/13/2026 | LE provided; exception resolved | 01/13/2026 | 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%<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 250000453 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/08/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing To cure the defect please provide the Affiliated Business Disclosure dated within XXX days of application. | ; Document Uploaded. ; | 01/13/2026 | Required Affiliated Business Disclosure Documentation Provided | 01/13/2026 | 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 XX% is less than Guideline LTV of XX% \| 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 XX% is less than Guideline CLTV of XX% \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 250000455 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Acknowledged | FCRE8506 | Credit | Application Profile Missing | Missing required Busines Narrative for XXX XXX Bank Statement program | ; Please waive for B grade XXX) XX% LTV (max XXX% allowed) XXX) XXX FICO (min XXX required) XXX) Reserves $XXXk++; | 01/13/2026 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) XX% LTV (max XXX% allowed) XXX) XXX FICO (min XXX required) XXX) Reserves $XXXk++ | 01/13/2026 | 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<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000455 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/08/2026 | Acknowledged | FCRE6100 | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% | ; Please waive for B grade XXX) XX% LTV (max XXX% allowed) XXX) XXX FICO (min XXX required) XXX) Reserves $XXXk++. Closing costs exceed seller contribution amount. ; | 01/13/2026 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) XX% LTV (max XXX% allowed) XXX) XXX FICO (min XXX required) XXX) Reserves $XXXk++. Closing costs exceed seller contribution amount. | 01/13/2026 | 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<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000457 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. XXX DSCR vXX guidelines require two months of bank Statements to verify assets. Bank Statements provided from XXX #XXX. Additionally, Statement reflects a large deposit of XXX on XX/XX/XXXX that was not sourced. Missing XX/XX/XXXX Statement from loan file and source of large deposit. | ; Documentation received, XXX to review.; Document Uploaded. source of funds for $XXX--- The XXX attachment shows the funds coming from her business account to her personal account ; | 02/10/2026 | Asset Record XXX Meets G/L Requirements; Client provided XXX #XXX Statement reflecting wire transfer to the borrower's account stating Repay Loan to XXX XXX and XXX #XXX Statement dated XX/XX/XXXX. LM Updated. | 02/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000457 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Borrower's personal bank Statement (XXX #XXX) reflects a mortgage payment of XXX on XX/XX/XXXX payable to XXX. Mortgage is not reporting on the credit report and property was disclosed on the Final XXXX. ASPR DSCR vXX guidelines require payment history reflect XXX. | ; ; Documentation received, XXX to review.; Document Uploaded. Please note that this loan was CTC XX/XX/XXXX and they scheduled on XX/XX/XXXX. This is why housing history was still good as due XX/XX/XXXX.; ; ; | 02/09/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 02/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000457 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing verification of XX/XX/XXXX and XX/XX/XXXX mortgage payment for XXX. Credit report reflects last paid XX/XX/XXXX and mortgage Statement provided States last payment received XX/XX/XXXX due for XX/XX/XXXX. XXX DSCR vXX guidelines require housing history reflect XXX. | ; History on credit should be acceptable with credit report being within XXX days, can you please cancel condition? ; | 02/09/2026 | Housing History Meets Guideline Requirements; History reported on credit report. | 02/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000457 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing | ; Document Uploaded. ; Documentation received, XXX to review.; | 02/05/2026 | Business Purpose Affidavit/Disclosure Provided; Client provided Borrower Certification of Business Purpose. LM Updated. | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000457 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final XXXX is Incomplete Borrower's personal bank Statement (XXX #XXX) reflects a mortgage payment of XXX on XX/XX/XXXX payable to XXX. Property was not disclosed on the Final XXXX. Provided updated Final XXXX with all properties owned by borrower. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/05/2026 | The Final XXXX is Present; Client provided Mortgage Statement for XXX-XXX Elliott Place reflecting a payment of XXX which matches the payment from XXX account. LM Updated. | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000459 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/27/2026 | Business Purpose Affidavit/Disclosure Provided | 01/27/2026 | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000459 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/08/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Seller fraud report not provided. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/27/2026 | Third Party Fraud Report is provided | 01/27/2026 | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000459 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Acknowledged | FCRE2393 | Credit | Missing an established escrow impound account for taxes and insurance. | Missing escrow account as required by XXX DSCR guidelines. | ; ; | 01/13/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledged the following compensating factors for this purpose: Over $Xmm in assets and FICO of XXX | 01/13/2026 | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000461 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | Missing EIN number. EIN application in file, missing number. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/14/2026 | Received Articles of Organization for XXX which reflect EIN number. Exception Resolved. | 01/14/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000463 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000465 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Acknowledged | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Guidelines require for XXX months bank Statements for assets provided. One month Statement provided for XXX #XXX, #XXX, and #XXX and XXX #XXX | ; ; Please waive for B Grade. Seller only requires XXX month Statement documented for assets used to qualify. Discussed with XXX team and fine to move forward as long as a minimum of XXX month Statements provided for assets used to qualify. Comp Factors: XXX mos PITIA reserves; DSCR: XXX; FICO: XXX; | 01/21/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX mos PITIA reserves; DSCR: XXX; FICO: XXX | 01/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX First Time Investors XXX minimum FICO.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000465 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XX% exceeds Guideline LTV of XX% There is no intent for management of the property in file. First Time Investors max LTV is XX% for self-management of the property. | ; Please waive on exception for B grade Comp Factors: FICO XXX DSCR XXX months reserves ; Post Close Exception Request Entered. Pending Review. DD to re-open finding.; Please request exception. XXX does not have X% LTV reduction. ; | 01/21/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledged the following compensating factors for this purpose: FICO XXX DSCR XXX months reserves.; | 01/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX First Time Investors XXX minimum FICO.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000465 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Acknowledged | FCRE2008 | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is XXX as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Rent Loss Coverage is required covering a minimum of XXX months for the subject property. Rent Loss Coverage is missing from the hazard insurance coverage. | ; ; Please waive for B Grade. Seller does not require rent loss coverage. Discussed with XXX team and fine to move forward without rent loss coverage for seller loans. DD to verify all other items covered on Dec page required. Comp Factors: XXX mos PITIA reserves; DSCR: XXX; FICO: XXX; | 01/21/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX mos PITIA reserves; DSCR: XXX; FICO: XXX | 01/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX First Time Investors XXX minimum FICO.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000465 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | FCRE1173 | Credit | HO6 Master Insurance Policy is Missing | Missing HO-X Master Insurance Policy | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/20/2026 | HO-X Master Insurance Policy is fully present; Client provided evidence the subject is a XXX unit Condo that does not have a Master Policy. Client also provided Evidence of Property Insurance reflecting XXX% Dwelling Replacement of XXX and RCE Replacement Cost of XXX LM Updated. | 01/21/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX First Time Investors XXX minimum FICO.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000467 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000469 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/12/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Borrower is purchasing XXX additional properties concurrently with the subject with the same Lender. File is missing the FCDs from the other XXX. This is not for DTI calculation since this is DSCR. It is to assure the estimates used by the Lender for assets are correct and to confirm the Borrower is not financing more that $XXX per GLs max exposure. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/20/2026 | Asset Qualification Meets Guideline Requirements; Client provided XXX CDs for the XXX closing concurrently with the subject. Total loan amount for the XXX is XXX CDs were compared with Final XXXX and terms also match. Cash in hand after cash to close and XXX deposits for all properties is $XXX. Cleared. | 01/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000471 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/12/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Borrower is purchasing XXX additional properties concurrently with the subject with the same Lender. File is missing the FCDs from the other XXX. This is not for DTI calculation since this is DSCR. It is to assure the estimates used by the Lender for assets are correct and to confirm the Borrower is not financing more that $XXX per GLs max exposure. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/20/2026 | Asset Qualification Meets Guideline Requirements; Client provided XXX CDs for the XXX closing concurrently with the subject. Total loan amount for the XXX is XXX CDs were compared with Final XXXX and terms also match. Cash in hand after cash to close and XXX deposits for all properties is $XXX. Cleared. | 01/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000473 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/12/2026 | 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 | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/28/2026 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Client provided updated Commitment for Title Insurance reflecting Proposed Amount of Insurance of XXX LM Updated. | 01/28/2026 | 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 XX.XX% is less than Guideline LTV of XX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000473 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/12/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for the property on XXX supporting PITIA of $XXX. MISSING MORTGAGE Statement and lease agreement as well. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/20/2026 | Client provided CD for XXX dated XX/XX/XXXX, Policy Declaration HOI, and FNMA form XXXX. The documents reflect a PITIA of XXX - XXX ($XXX \* XXX%) = $-XXX. LM Updated. | 01/20/2026 | 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 XX.XX% is less than Guideline LTV of XX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000475 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/12/2026 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is XXX | Hazard Insurance Policy XXX Provided The hazard insurance Statement in file reflects a lower annual premium than reflected on XXX and charged on the FCD. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/05/2026 | Hazard Insurance Policy is fully present; Client provided Revised First Payment Letter, Initial Escrow Account Disclosure and Closing Disclosure reflecting annual HOI premium list on XXX Policy Declarations. LM Updated. | 02/05/2026 | 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000477 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/12/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing To cure the defect please provide the Affiliated Business Disclosure dated within XXX days of application. | ; Document Uploaded. | 01/14/2026 | Required Affiliated Business Disclosure Documentation Provided | 01/14/2026 | 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<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 250000479 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/12/2026 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 01/16/2026 | Business Purpose Affidavit/Disclosure Provided | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000481 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000483 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2026 | Resolved | FCOM2137 | Compliance | Lender did not provide ATR/QM Status Determination | Missing QM Designation. A copy of the Lender's QM report was not in the loan file. Lender should provide ATR/QM status report for audit verification. Lender did not provide ATR/QM Status Determination. | ; ; ; Document Uploaded. ; Documentation received, XXX to review.; | 01/26/2026 | Seller provided missing documentation. Finding is resolved. | 01/26/2026 | 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.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000483 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/13/2026 | Resolved | finding-4040 | Compliance | Qualified Mortgage APR Threshold Test | This loan failed the qualified mortgage APR threshold test. (XX CFR §XXXX.XX(e)(X)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus X.X%; orThe note amount for a second lien is greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%. XXX Expanded vXX allows non-QM due to rate spread. Condition is for information only. | ; | 01/26/2026 | Client allows non-QM for rate spread with this program. Finding provided for information only. | 01/26/2026 | 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.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000483 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/15/2026 | 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. | ; ; | 01/26/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. PCCD shows lower cash to close for borrower, resulting in sufficient reserves. | 01/26/2026 | 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.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000483 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/15/2026 | Resolved | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) | ; Hi All, from Seller: Hello Team, Condition - XXX)Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. XXX) Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) - Cash to close $XXX. Total assets verified as per XXX $XXX. Left XXX enough to support the XXX months reserves. Please review and clear the condition ; ; | 01/26/2026 | Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) PCCD shows lower cash to close for borrower, resulting in sufficient reserves. | 01/26/2026 | 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.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000485 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/12/2026 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOM for XX/XX/XXXX, XXX-XXX, XXX-XXX XX/XX/XXXX | ; Per XXX guidelines, VOM/VOR is not required on DSCR except on subject property (refinance) and primary res. Please review and waive.; VOM for non-primary, non-subject mortgages is not required. Please review and remove. Thank you; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; | 03/18/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Document did not upload. Please re-upload document.; ; Client provided IRS Department of the Treasure assignment of EIN for XXX. However, Missing VOM for XX/XX/XXXX, XXX-XXX, XXX-XXX , XX/XX/XXXX. | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000485 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/13/2026 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | Missing EIN information for XXX | ; Documentation received in XXX review.; Document Uploaded. ; | 02/10/2026 | Client provided IRS Department of the Treasure assignment of EIN for XXX. LM Updated. | 02/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000487 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000489 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000491 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 01/12/2026 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX The title commitment provided reflects loan policy amount of XXX which is less than subject loan amount of XXX No XXX in file. | ; Documentation received, XXX to review.; Document Uploaded. Title commitment; | 01/20/2026 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Client provided updated Commitment for Title Insurance reflecting Proposed Amount of Insurance of $XXX. LM Updated. | 01/20/2026 | 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%<br> B<br> A | A | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A | A | A | A | A | A |
| 250000493 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/12/2026 | Cured | 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. (XX CFR §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(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 n 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 §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(vi). TILA XXXb 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 from XXX to XXX for the Recording Fee. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/04/2026 | Cure package provided to borrower within XXX days of discovery. Exception downgraded to X/B.; Cure package provided to borrower within XXX days of discovery. Exception downgraded to X/B. | 02/04/2026 | 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 XXX years on job.<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000495 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCRE6737 | Credit | Missing Letter of Explanation (Income) | The income on the Initial XXXX is XXX per month. The Lender's Income Calculation worksheet reflects income of XXX per month. The Lender used XXX per month. Additionally, the Borrower's business bank Statement for XXX reflects an NSF. Lender to provide LOX regarding the variance in income and the NSF. The comments on the XXX (Xnd page) reference the necessity of the LOX. | ; Documentation received, XXX to review.; Document Uploaded. See updated comments from Underwriter on XXX; | 02/25/2026 | Client provided updated XXX with comments stating: Income on initial application is $XXX. The calculation is higher at XXX this difference is assumed to be due to borrower stating a amount at time of application without reviewing real numbers being looked during the middle of the year. The application is being used to stay within tolerance of guidelines and to stay conservative. | 02/25/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000495 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCRE8506 | Credit | Application Profile Missing | The Borrower has been qualified using XXX months Business Bank Statement Income which requires a Business Narrative. The file does contain an LOX from the Borrower reflecting some of the information required on the Narrative; however, it does not include pertinent information about the business location, associated obligations, and if the borrower maintains any large trucks, materials, or equipment. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/25/2026 | Client provided Business Narrative. LM Updated. | 02/25/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000497 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | 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. (XX CFR §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(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 n 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 §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(vi). TILA XXXb 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 from XXX to XXX for the Recording Fee on the LE dated XX/XX/XXXX. | ; Documentation received, XXX to review.; Document Uploaded. Hello, Was this CoC seen? Is the explanation not being sufficient why a cure is still needed?; | 01/21/2026 | Valid COC received (not in original loan file) - exception resolved; Valid COC received (not in original loan file) - exception resolved | 01/21/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| 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.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000499 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000501 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000503 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/13/2026 | Resolved | FCRE1253 | Credit | Missing Property Tax Cert | Missing Property Tax Cert There is no documentation in file to support the subject's monthly property taxes of $XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/19/2026 | Client also provided XXX Tax Bill Search for the subject property. LM Updated.; Property Tax Cert Provided; Client provided Town of XXX Property Tax Bill for XXX. LM Updated. | 01/19/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000505 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | TILA XXXb Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on the Post closing CD dated XX/XX/XXXX. COC in file dated XX/XX/XXXX States rate lock was extended, however COC is not allowed on PCCD and was therefore not accepted. This loan failed the lender credits that cannot decrease test. (XX CFR §XXXX.XX(e)(X)(i) he loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). | ; Documentation received, XXX to review.; Document Uploaded. The XXX funding worksheet shows the lender credit of $XXX. The XXX COC and PPCD reflects the lender credit. XXX. Lender credit of XXX was in the wire, borrower received the funds XXX. COC and PCCD provide the necessary documents XXX. We do not need a copy of the refund, in the wire or proof of delivery, in the wire There should be no issue with how this was done, it gets done like this all the time. ; XXX requested testing XXX from DD and to be reviewed by Compliance for finding.; | 01/20/2026 | PCCD and Funding documentation provided; exception resolved; PCCD and Funding documentation provided; exception resolved | 01/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| 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 XX% is less than Guideline LTV of XX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000507 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000509 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCRE1202 | Credit | Third Party Fraud Report XXX Provided | Third Party Fraud Report XXX Provided XXX Fraud Report reflects possible undisclosed property/XXX for REO at XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 01/22/2026 | Third Party Fraud Report is fully present; Client provided LOE eSigned by the Borrower XX/XX/XXXX reflecting the property at XXX belongs to family member. A XXX Property detail reflects the owners of this property to be XXX. LM Updated. | 01/22/2026 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000509 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCRE9488 | Credit | Potential XXX/Current Address Issues identified in the file | The intent and/or status of the borrower's XXX is not supported in the file. Hazard XXX reflects Business address as mailing address and XXX rent loss coverage. Utility bills to confirm the subject is actually XXX occupied. Appraisal shows occupied, property furniture/finishings don't really match a XXX property and someone making $XXX per month. Initial XXXX does not reflect a mailing address. Subject mortgage Statements are sent to the business address XXX Collectively, all of this creates XXX suspicion. Mortgage Statement for mortgage at business address has a mailing address of XXX | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/22/2026 | Intent of borrower's XXX supported; Client provided XXX bill to the Borrower at the subject address. LM Updated. | 01/22/2026 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000509 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower X Photo Identification not provided. Provide evidence of photo ID via State ID, Passport or Patriot form completed by settlement agent. | ; Document Uploaded. ; Documentation received, XXX to review.; | 01/21/2026 | Photo Identification provided.; Client provided Borrower's XXX License and a copy of the XXX Patriot Act information form reflecting the Borrower's Passport information. LM Updated. | 01/22/2026 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000509 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCRE7805 | Credit | Missing Income - Bank Statements | Guidelines require XXX months of complete business bank Statements. Provide the following missing pages: XXX Statement is missing pages XXX-XXX, XXX XXX Statement is missing pages XXX-XXX, XXX XXX Statement is missing pages XXX-XXX, XXX Statement is missing pages XXX-XXX, XXX XXX Statement is missing pages XXX-XXX, XXX Statement is missing page XXX-XXX, XXX Statement is missing pages XXX-XXX, XXX Statement is missing pages XXX-XXX, XXX Statement is missing pages XXX-XXX, XXX XXX Statement is missing pages XX/XX/XXXX and XXX XXX Statement is missing pages XXX-XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/21/2026 | Missing pages provided | 01/21/2026 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000509 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Acknowledged | FCRE8201 | Credit | Loan does not conform to program guidelines | The note, title and mortgage reflect the subject ownership as XXX. Guidelines only allow ownership with title vesting as an Individual, Joint Tenants or Tenants in Common. | ; Please waive for B grade XXX) XXX FICO (min XXX required) XXX) XXX% DTI XXX) LTV XX% (max XXX%). Articles of Incorporation, XXX% ownership by borrower, Cert of Good standing and EIN all in file. Thanks. ; Sent message to XXX. This vesting is allowed per our guidelines. Please waive condition. ; | 01/21/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX) XXX FICO (min XXX required) XXX) XXX% DTI XXX) LTV XX% (max XXX%). Articles of Incorporation, XXX% ownership by borrower, Cert of Good standing and EIN all in file. | 01/21/2026 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000509 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Acknowledged | FCRE8506 | Credit | Application Profile Missing | Provide completed and executed Business Narrative as required per guidelines. | ; Please waive for B grade XXX) XXX FICO (min XXX required) XXX) XXX% DTI XXX) LTV XX% (max XXX%); | 01/21/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX) XXX FICO (min XXX required) XXX) XXX% DTI XXX) LTV XX% (max XXX%) | 01/21/2026 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000509 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCOM1232 | Credit | The Final 1003 is Missing | The Final XXXX is Missing Provide Final XXXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/21/2026 | The Final XXXX is Present; Client provided Final XXXX dated XX/XX/XXXX. LM Updated. | 01/21/2026 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000511 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Cure- provide Homeownership counseling organizations disclosure dated within XXX days of initial application XX/XX/XXXX. | ; Document Uploaded. ; Documentation received, XXX to review.; ; ; ; Hello, Per team this is a refi and homeownership counseling it XXX nor did they see a charge for it.; Emailed DD for clarification; ; | 02/04/2026 | Homeownership Counseling Disclosure Is Present or XXX; ; | 02/12/2026 | 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 XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000511 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | ; Documentation received in XXX review.; Document Uploaded. ; ; | 02/05/2026 | Evidence of eConsent is provided.; The eSigned consent disclosure is missing. The eSigned documents consent is missing. | 02/12/2026 | 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 XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000511 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | 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. (XX CFR §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(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 n 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 §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(vi). Because the SPL was missing, fees in Sections C were subject to a XXX% tolerance. The Charges resulted in threshold to go above the allowable tolerance. A cost to cure in the amount of XXX is required. The defect may be resolved by providing the missing document, reimbursing the consumer, or providing a valid reason for the increases. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). | ; Document Uploaded. ; Documentation received, XXX to review.; emailed breakdown to XXX and XXX; ; ; can you provide a breakdown? You total fee amount doesn't appear to match ours as well as our XXX is passing; emailed DD for breakdown per XXX request.; ; | 02/12/2026 | SSPL provided; exception resolved; The Service XXX list is missing from the file so all title fees were tested in the XXX% tolerance bucket. The XXX shows the borrower shopped so proving the Service XXX list within XXX days of the application (XX/XX/XXXX) may clear the exception. | 02/12/2026 | 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 XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000513 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000515 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/14/2026 | Acknowledged | FCRE8506 | Credit | Application Profile Missing | Business Narrative missing. | ; ; Good morning, Please waive for B grade. FICO and Reserves as comp factors ; Good morning, Please waive for B grade | 01/16/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledged the following compensating factors for this purpose: Qualifying FICO greater than minimum XXX months of reserves. | 01/16/2026 | 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 XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000517 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000519 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/15/2026 | Resolved | FCRE7551 | Credit | Missing Divorce Decree | Credit report dated XX/XX/XXXX reflects a collection account for Family support that was closed XX/XX/XXXX. Missing copy of borrower's divorce decree. | ; ; Comment received, in XXX review.; Per processor, this one is a DSCR Cashout, is there a reason why we would need the divorce decree/child support agreement? We don't hit them for the debts on DSCR.; | 02/24/2026 | Divorce decree not required-DSCR loan. Debts are not included in calculations. | 02/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000519 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/15/2026 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | Lease agreement provided for subject property reflects XXX as "XXX". Provide documentation borrower owns business XXX. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 02/24/2026 | Client provided Business search for XXX reflecting the Borrower as Resident Agent. LM Updated. | 02/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000519 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/15/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Seller's fraud report discloses undisclosed properties not listed on the Final XXXX (XXX, XXX and XXX). XXX Fraud report discloses an undisclosed property (XXX) not listed on the Final XXXX. Provide updated Final XXXX with all properties owned by borrower. | ; Document Uploaded. ; Documentation received, XXX to review.; ; Hello! Per our reviewer: "I don't see this property on the fraud report anywhere and I don't have a city or State to pull the PP---can you ask them to either waive or provide a complete address?" Can you provide full address or advise where you are getting the XXX address from?; DD to reopen finding. Per DD full address is The address in question is: XXX, XXX. Address appeared on XXX report pulled by DD.; ; Document Uploaded. XXX is revised XXXX with XXX added. Both XXX and XXX are not in the borrower's name or LLC and were sold according to the XXX PP's, so they are not on the REO. ; Documentation received, XXX to review.; ; Document Uploaded. Those properties are XXX as the loan is on the DSCR program. Please see XXX Fraud report.; Documentation received, XXX to review; | 02/24/2026 | All Fraud Report Alerts have been cleared or None Exist; Client provided updated XXXX reflecting XXX. LM Updated.; Complete address is XXX, XXX; Client provided Property Details report for XXX and XXX which reflect XXX and XXX as current owners, Updated XXXX reflecting XXX added to REO and updated Third Party Fraud report reflect no uncleared alerts. LM Updated. Still need property XXX not listed on the Final XXXX. Provide updated Final XXXX with all properties owned by borrower.; Per XXX Guidelines, complete application is required with all properties listed. | 02/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000521 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/15/2026 | Resolved | FCRE9814 | Credit | Missing Trust Agreement | Missing Trust Agreement Missing the trust agreement for the XXX | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/30/2026 | Trust Agreement Meets Guideline Requirements; Client provided XXX dated XX/XX/XXXX. LM Updated. | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000523 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/16/2026 | Resolved | FCRE9068 | Credit | Borrower does not meet residual income requirement | Residual income of XXX does not meet guideline minimum of XXX | ; | 01/26/2026 | Updated XXX received, XXX excluded, verified sufficient reserves to not include into DTI. ; Residual Income meets guideline minimum. | 01/26/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000523 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/16/2026 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Audited DTI of matches Lender's DTI on XXX | ; Documentation received, XXX to review.; Document Uploaded. Per the underwriter: The XXX account is now excluded – it is an open account, and the borrower has sufficient funds to pay it in full. XXX is an updated XXX That resolves the DTI and residual income as that gives her back XXX per month. ; | 01/26/2026 | Updated XXX received, XXX excluded, verified sufficient reserves to not include into DTI. ; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | 01/26/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000523 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR §XXXX.XX(f)(X)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXXX.XX(f)(X)(i) no later than three business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. Additional conditions may apply. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/26/2026 | Initial CD provided; exception resolved; Initial CD provided; exception resolved | 01/26/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000523 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/16/2026 | Resolved | FCOM2137 | Compliance | Lender did not provide ATR/QM Status Determination | Seller's Copy of XXX missing. Lender did not provide ATR/QM Status Determination. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 01/26/2026 | Documentation provided by Seller. | 01/26/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000525 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/16/2026 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | Missing EIN number. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 01/22/2026 | Client provided IRS Department of the Treasury Assignment of EIN. LM Updated. | 01/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000525 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/15/2026 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/22/2026 | Business Purpose Affidavit/Disclosure Provided; Client provided Business Purpose & XXX Affidavit signed and Notarized XX/XX/XXXX. LM Updated. | 01/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000527 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000529 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/16/2026 | Resolved | FPRO3678 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Appraiser noted the property is owner-occupied, but should be tenant-occupied. | ; ; Document Uploaded. ; | 03/25/2026 | The issue with the property has been resolved. | 03/25/2026 | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.X% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.X% is less than Guideline LTV of XX%<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 250000529 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/16/2026 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final XXXX is Incomplete XXXX shows borrower owns the XXX in XXX, however the borrower leases per agreement on pages XXX-XXX and payment history on page XXX shows the amount at XXX per monthnth. | ; ; Please clear- the borrower does not rent that property in XXX anymore. That is a Prior residence.; ; | 02/26/2026 | The Final XXXX is Present | 03/13/2026 | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.X% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.X% is less than Guideline LTV of XX%<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 250000531 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/16/2026 | Resolved | finding-4040 | Compliance | Qualified Mortgage APR Threshold Test | This loan failed the qualified mortgage APR threshold test. (XX CFR §XXXX.XX(e)(X)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus X.X%; orThe note amount for a second lien is greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%. XXX Expanded vXX allows non-QM due to rate spread. Condition is for information only. | This loan failed the qualified mortgage APR threshold test. (XX CFR §XXXX.XX(e)(X)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus X.X%; orThe note amount for a second lien is greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%. XXX Expanded vXX allows non-QM due to rate spread. Condition is for information only. | 01/17/2026 | For information only. | 01/17/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000533 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/16/2026 | Resolved | finding-4040 | Compliance | Qualified Mortgage APR Threshold Test | This loan failed the qualified mortgage APR threshold test. (XX CFR §XXXX.XX(e)(X)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus X.X%; orThe note amount for a second lien is greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%. XXX Expanded vXX allows non-QM due to rate spread. Condition is for information only. | This loan failed the qualified mortgage APR threshold test. (XX CFR §XXXX.XX(e)(X)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus X.X%; orThe note amount for a second lien is greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%. XXX Expanded vXX allows non-QM due to rate spread. Condition is for information only. | 01/19/2026 | Information only. | 01/19/2026 | 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000535 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000537 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000539 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/19/2026 | Waived | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XX% exceeds Guideline LTV of XX% Borrower does not meet the criteria of experienced investor for XXX XXX DSCR program. Max LTV is XX% | ; Document Uploaded. Exception for LTV has been approved and uploaded to file. Diligence to please resolve finding. ; ; On the purchase of a XX/XX/XXXX property, FICO of XXX and DSCR > XX/XX/XXXX borrower could go as high as an XX% LTV. Not being an experienced borrower requires a X% LTV reduction so the max for this borrower would be XXX% which is where we're at. thinking we're good here as not a FTHB since owns current primary. ; | 02/10/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO (min XXX), Ratio of XXX (min > XXX), Reserves after cash to close and deducting XXX balance = XXX consisting of personal and business assets (XXX months total debt reserves), low user of personal debt with no credit derog.; Management intentions are not Stated in the file. If borrower intends to self-manage, max LTV is XX% for first time investors. | 02/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000541 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000543 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000545 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/21/2026 | Resolved | FPRO1502 | Property | HOA Does Not Meet Guidelines | The subject's HOA has been named as a defendant in pending litigation filed by one of the unit's owners who is seeking XXX for damages caused to her unit by the home above. The lender notes that the damage to the unit above the XXX was repaired as of XX/XX/XXXX, but no additional details have been provided. The HOA's insurance XXX is handling the defense. A copy of the pending litigation is not contained in the loan file. | The subject's HOA has been named as a defendant in pending litigation filed by one of the unit's owners who is seeking XXX for damages caused to her unit by the home above. The lender notes that the damage to the unit above the XXX was repaired as of XX/XX/XXXX, but no additional details have been provided. The HOA's insurance XXX is handling the defense. A copy of the pending litigation is not contained in the loan file. | 01/21/2026 | Document Uploaded. The pending litigation for case No XXX XXX was dismissed with prejudice on XX/XX/XXXX. HOA meets guidelines. Finding is resolved.; HOA Meets Guidelines | 04/16/2026 | 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. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 250000545 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/21/2026 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/28/2026 | Rent Loss Coverage Present; Client provided XXX Declaration Page reflecting Loss of Use Coverage D - XXX LM Updated. | 01/28/2026 | 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. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 250000545 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/20/2026 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower X Photo Identification not provided. Borrower's photo identification is not contained in the loan file. Please provide photo ID or an executed Patriot Act Form. | ; Document Uploaded. ; | 01/22/2026 | Photo Identification provided.; Client provided a XXX Patriot Act Information Disclosure signed by the Borrower dated XX/XX/XXXX. LM Updated. | 01/22/2026 | 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. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 250000547 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/20/2026 | Acknowledged | FCRE8201 | Credit | Loan does not conform to program guidelines | The existing loan that was paid off with this transaction was modified by the original lender within the last XXX months and the maturity date was extended. | ; ; Documentation received, XXX to review.; Document Uploaded. Per the XXX the only item modified was the maturity date. I wanted to confirm the XXX two documents were delivered in our submission. Could we please have these reviewed? Thank you, XXX XXX.; | 01/27/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO and LTV; ; Loan terms remains the same, however loan was modified which is outside of XXX Guidelines. ; Per XXX Expanded guidelines, no modifications permitted in the last XXX years. Lien being paid off at closing was modified within the last XXX months to extend the maturity date. | 01/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000547 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/19/2026 | Acknowledged | FVAL5385 | Property | Property has been listed for sale in the past XXX months | The guidelines State that the property cannot have been listed within six months of application on a refinance transaction and cash out refinances cannot have been listed in the previous XXX months. The subject property was listed as recent as XX/XX/XXXX which is the same date as the initial application. | ; ; ; | 01/27/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO and LTV | 01/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000549 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/19/2026 | Resolved | finding-4040 | Compliance | Qualified Mortgage APR Threshold Test | This loan failed the qualified mortgage APR threshold test. (XX CFR §XXXX.XX(e)(X)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus X.X%; orThe note amount for a second lien is greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%. Non QM Loan. XXX Expanded vXX allows non-QM due to rate spread. Condition is provided for information only. | This loan failed the qualified mortgage APR threshold test. (XX CFR §XXXX.XX(e)(X)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus X.X%; orThe note amount for a second lien is greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%. Non QM Loan. XXX Expanded vXX allows non-QM due to rate spread. Condition is provided for information only. | 01/20/2026 | Information only. | 01/20/2026 | 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%<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000551 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/20/2026 | Acknowledged | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing XXX months bank Statements for XXX #XXX. Only one Statement in the file. Guides refer to FNMA guide which require XXX months for purchase transactions. Gift letters are not signed by the donors | ; ; Documentation received, XXX to review.; Document Uploaded. executed gift letters. please request exception if needed for one month of bank Statements. ; XXX may consider to request exception waiver for XXX month bank Statement only being provided. Please provide fully executed gift letters | 01/27/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% DTI; XXX FICO; XXX mos PITIA reserves; XX.XX% LTV.; Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% DTI; XXX FICO; XXX mos PITIA reserves; XX.XX% LTV. | 01/27/2026 | 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. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000553 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000555 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000557 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(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 n estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). TILA XXXb 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 is due to an increase in Appraisal fee from XXX on the initial LE to XXX on the final CD. A COC was provided but deemed invalid due to no specifics provided as to what caused the increase. | ; Documentation received in XXX review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; | 02/02/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved; Invalid COC provided that was reviewed in initial loan file. COC does not detail a valid reason (Appraisal Fee increase) for the increase of the Appraisal Fee on the revised LE dated XX/XX/XXXX. Please provide a valid COC or cure package. | 02/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A<br> C | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 250000557 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/21/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Required Business narrative for XXX XXX Expanded Bank Statement program was provided, but not executed by the borrower. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 01/29/2026 | Income and Employment Meet Guidelines; Operating Agreement and SOS documentation provided, however Signed business narrative is still missing. | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 250000557 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/20/2026 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower X Xrd Party VOE Prior to Close Missing A State of XXX corporations Business Search confirms the business has been active since XXX, however, the document is not dated. A Tax Preparer LOX was provided and indicates he has prepared and/or reviewed the business returns and States use of funds for purchased of the subject will not have a negative impact on the business. The Tax Preparer LOX is not dated. Provide documentation to confirm the borrower has XXX% ownership and the business is active in good standing at close as required per guidelines. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/29/2026 | Borrower X Xrd Party VOE Prior to Close Was Provided; Client provided CPA letter signed and dated XX/XX/XXXX. LM Updated. | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 250000557 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/22/2026 | Resolved | FCRE1241 | Credit | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing | ; Document Uploaded. Was in Loan Package. DD to review.; | 01/27/2026 | Purchase Contract Doc is not Missing, or is XXX.; Client provided Purchase and Sale Agreement for the subject property. LM Updated. | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> A | A | A | A | A | A |
| 250000559 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000561 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/21/2026 | Resolved | finding-4040 | Compliance | Qualified Mortgage APR Threshold Test | This loan failed the qualified mortgage APR threshold test. (XX CFR §XXXX.XX(e)(X)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus X.X%; orThe note amount for a second lien is greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%. XXX Expanded vXX allows non-QM due to rate spread. Condition is for information only. | This loan failed the qualified mortgage APR threshold test. (XX CFR §XXXX.XX(e)(X)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus X.X%; orThe note amount for a second lien is greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of XX CFR §XXXX.XX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%. XXX Expanded vXX allows non-QM due to rate spread. Condition is for information only. | 01/26/2026 | Information only. | 01/26/2026 | 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.<br> A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000563 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/22/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts The lender fraud report shows uncleared alerts. Discrepancy with SSN and Date of birth reported on lender report. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; updated; Documentation received, XXX to review.; Document Uploaded. ; | 02/09/2026 | All Fraud Report Alerts have been cleared or None Exist; Appraiser documentation provided, however Fraud alert regarding discrepancy with SSN and DOB documentation was not provided. ; Fraud Report Shows Uncleared Alerts The lender fraud report shows uncleared alerts. Discrepancy with SSN and Date of birth reported on lender report. | 02/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000563 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/23/2026 | Resolved | FCRE8981 | Credit | Purpose does not meet eligibility requirement(s) | XXX DSCR vXX guidelines State for cash out refinances, the property must have been owned for a minimum of six XXX months to be eligible. The borrower received title on XX/XX/XXXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/02/2026 | Documentation provided showing delayed purchase. | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000565 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/22/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Per XXX Expanded vXX guidelines, a Collateral Desktop Analysis (CDA) ordered from XXX, or a Consolidated Collateral Analysis (CCA) ordered from XXX is required to support the value of the appraisal. | ; Documentation received in XXX review.; Document Uploaded. ; | 02/06/2026 | Third party valuation product provided within tolerance.; Client provided XXX CDA dated XX/XX/XXXX. LM Updated.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Per XXX Expanded vXX guidelines, a Collateral Desktop Analysis (CDA) ordered from XXX, or a Consolidated Collateral Analysis (CCA) ordered from XXX is required to support the value of the appraisal. | 02/06/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| 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 XX% is less than Guideline CLTV of XX%<br> D<br> A<br> C | B | A<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> A | A | A | A | A | A |
| 250000565 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/22/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing property insurance for XXX | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/04/2026 | HOI Documentation provided. | 02/04/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| 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 XX% is less than Guideline CLTV of XX%<br> D<br> A<br> C | B | A<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> A | A | A | A | A | A |
| 250000565 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/22/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Notice disclosure, XXX has affiliates. Please Provide the Affiliated Business disclosure that was provided to the consumer within XXX business days of application XX/XX/XXXX that confirms the lender has affiliates. | ; Document Uploaded. | 01/27/2026 | Required Affiliated Business Disclosure Documentation Provided | 01/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| 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 XX% is less than Guideline CLTV of XX%<br> D<br> A<br> B<br> C | B | A<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> D<br> C | B<br> A | A | A | A | A | A |
| 250000567 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/22/2026 | Acknowledged | FCRE1174 | Credit | HO6 Master Insurance Policy is Partial | HO-X Master Insurance Policy XXX Provided The subject property is a XXX condo. XXX Expanded Guidelines vXX defer to FNMA guidelines when it comes to hazard coverage for the HOA. Per FNMA (BX-XXX-XXX-p XXX), the XXX coverage for HOA master policy is XXX months of the total assessments for all units in the project. Per Condo Questionnaire in file, the subject project has XXX units at an average of XXX per month in XXX monthly assessments = XXX XXX coverage required. The XXX coverage provided is XXX Lender has provided an approved Exception request for the coverage shortage which also requires the loan meet all XXX Expanded Bank Statement guidelines; DTI not to exceed XXX%; reserves of no less than $XXX; max LTV of XX%; Condo project to meet all other FNMA requirements; and loan to be locked as XXX condo. None of the Exception Approvals reflect comp factors; however, the Exception Request does list these comp factors: LTV, reserves, FICO, and time in business. | ; ; Comp factors don't print on exception approval (LM Glitch....) Comp factors for approval include XXX) FICO XXX (min XXX required) XXX) XX% LTV (max XXX% allowed) XXX) XXX years S/E. Can you waive for B grade? ; | 01/29/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX) FICO XXX (min XXX required) XXX) XX% LTV (max XXX% allowed) XXX) XXX years S/E; HO-X Master Insurance Policy XXX Provided The subject property is a XXX condo. XXX Expanded Guidelines vXX defer to FNMA guidelines when it comes to hazard coverage for the HOA. Per FNMA (BX-XXX-XXX-p XXX), the XXX coverage for HOA master policy is XXX months of the total assessments for all units in the project. Per Condo Questionnaire in file, the subject project has XXX units at an average of XXX per month in XXX monthly assessments = XXX XXX coverage required. The XXX coverage provided is XXX Lender has provided an approved Exception request for the coverage shortage which also requires the loan meet all XXX Expanded Bank Statement guidelines; DTI not to exceed XXX%; reserves of no less than $XXX; max LTV of XX%; Condo project to meet all other FNMA requirements; and loan to be locked as XXX condo. None of the Exception Approvals reflect comp factors; however, the Exception Request does list these comp factors: LTV, reserves, FICO, and time in business. | 01/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| 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 CLTV of XX.XX% is less than Guideline CLTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000567 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/22/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXX Expanded vXX guidelines defer to FNMA GLs regarding the number of months required for asset verification. Two months of bank Statements are required on a purchase transaction. Most recent Bank Statement has been provided for all XXX accounts listed on the Final XXXX. Missing the previous month's Statement for each account. | ; ; ; Document Uploaded. ; Documentation received, XXX to review.; | 01/29/2026 | Second month bank Statement provided. ; Asset Qualification Meets Guideline Requirements; Asset Qualification Does Not Meet Guideline Requirements XXX Expanded vXX guidelines defer to FNMA GLs regarding the number of months required for asset verification. Two months of bank Statements are required on a purchase transaction. Most recent Bank Statement has been provided for all XXX accounts listed on the Final XXXX. Missing the previous month's Statement for each account. | 01/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| 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 CLTV of XX.XX% is less than Guideline CLTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000567 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/22/2026 | 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. (XX CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided (pg XXX) indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/29/2026 | Evidence of appraisal delivery provided. | 01/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| 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 CLTV of XX.XX% is less than Guideline CLTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000567 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/22/2026 | Resolved | FCRE1342 | Credit | Borrower 1 Business Bank Statements Missing | Borrower X Business Bank Statements Missing The Borrower has been qualified using XXX mos Business Bank Statements. According to the Lender's Income Calculation Worksheet, the Borrower's account used for the income calculation was XXX acct #XXX. The XXX months bank Statements provided are from XXX acct#XXX, which is the Borrower's Business Savings "Sweep" account. Lender to provide all XXX months bank Statements for acct #XXX from XXX through XXX. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 01/29/2026 | Borrower X Business Bank Statements Provided; Borrower X Business Bank Statements Missing The Borrower has been qualified using XXX mos Business Bank Statements. According to the Lender's Income Calculation Worksheet, the Borrower's account used for the income calculation was XXX acct #XXX. The XXX months bank Statements provided are from XXX acct#XXX, which is the Borrower's Business Savings "Sweep" account. Lender to provide all XXX months bank Statements for acct #XXX from XXX through XXX. | 01/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| 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 CLTV of XX.XX% is less than Guideline CLTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000569 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/23/2026 | 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 XXX XX/XX/XXXX or provide confirmation the lender has no affiliates. | ; Document Uploaded. ; Document Uploaded. Documentation received, XXX to review.; ; ; Document Uploaded. | 02/03/2026 | Affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Documentation Provided; Document provided indicates lender has affiliates, if no referral of business was made to the affiliates an attestation is required | 02/03/2026 | 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 XXX years on job.<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 250000571 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/22/2026 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing LOE for credit inquiries dated XXX days from the credit report. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/04/2026 | LOE for credit inquiries received. | 02/04/2026 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000571 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/22/2026 | Resolved | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XX% exceeds Guideline LTV of XX% Max LTV for cash out for a DSCR ratio less than XX/XX/XXXX is XXX% | ; | 01/27/2026 | Audited LTV of XX% is less than or equal to Guideline LTV of XX%; Audited LTV of XX% exceeds Guideline LTV of XX% Max LTV for cash out for a DSCR ratio less than XX/XX/XXXX is XXX% | 01/27/2026 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000571 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/22/2026 | Resolved | FCRE1197 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX Minimum FICO for cash out with a DSCR ratio of less than XX/XX/XXXX is XXX | ; | 01/27/2026 | Audited FICO of XXX is greater than or equal to Guideline FICO of XXX; Audited FICO of XXX is less than Guideline FICO of XXX Minimum FICO for cash out with a DSCR ratio of less than XX/XX/XXXX is XXX | 01/27/2026 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000573 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/23/2026 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing Required Spousal Consent Form is not contained in the loan file. | ; Please be advised that this is a DSCR loan and the disclosure is not required; Document Uploaded. Please see XXX corrected XXXX reflecting unmarried, Current title showed borrower is a single woman and that's how we closed our loan. The XXXX was wrong ; Documentation received, XXX to review.; Can you please advise which consent form do we need ? ; | 02/12/2026 | Updated XXXX provided showing borrower as unmarried. ; Title Document is fully Present; Client States: Please be advised that this is a DSCR loan and the disclosure is not required. However, XXX is community property State, spousal consent would be required. ; ; ; Title Document is missing Required Spousal Consent Form is not contained in the loan file. | 02/12/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000575 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/26/2026 | Resolved | FCRE1241 | Credit | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing | ; Document Uploaded. In Loan Package. DD to review; | 01/29/2026 | Purchase Contract Doc is not Missing, or is XXX.; Client provided Purchase Contract and Addendums. LM Updated. | 04/13/2026 | 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.<br> D<br> B<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000575 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/23/2026 | Waived | finding-4038 | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (XX CFR XXXX.XX(e)(X))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. XXX XXX Expanded vXX does not allow Non-QM due to points and fees. | ; Looks like points and fees are XXX% off testing provided. Please waive for B Grade. Points and Fees fine over XXX% but less than XXX% Comp Factors: Length Borrower On Job; XXX FICO; XXX per month residual income.; | 02/09/2026 | Client is waiving in non-QM XXX Expanded loan for points and fees totaling exceeding XXX% but less than XXX% Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Length Borrower On Job; XXX FICO; XXX per month residual income. | 02/09/2026 | 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.<br> D<br> B<br> C<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000577 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000579 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | 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. (XX CFR XXX(a)(XXX)). Cure - Provide evidence consumer received a copy of the appraisal XXX days prior to consummation XX/XX/XXXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 01/29/2026 | Evidence of appraisal delivery provided. | 01/29/2026 | 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 XXX years on job.<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 250000581 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Waived | FCRE6100 | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Seller credit of XXX exceeds the maximum XXX% contribution allowed by guidelines. | ; ; No; ; Low purchase price, the extra XXX% insignificant amount ; XXX approved waiver | 03/20/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Low purchase price, the extra XXX% insignificant amount XXX Borrower has plenty of assets; If finding is being waived, please provide compensating factors to waive. ; Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Seller credit of XXX exceeds the maximum XXX% contribution allowed by guidelines. | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000581 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements One month of Statements provided, XXX guidelines require for XXX months bank Statement for assets. | ; ; ; Documentation received, XXX to review.; Document Uploaded. ; | 03/17/2026 | Client provided additional month Statement for XXX: XXX XXX account numbers XXX and XXX LM Updated. ; Client provided additional month Statement for XXX: XXX XXX account numbers XXX and XXX LM Updated. ; Asset Qualification Meets Guideline Requirements; Asset Qualification Does Not Meet Guideline Requirements One month of Statements provided, XXX guidelines require for XXX months bank Statement for assets. | 03/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000581 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Resolved | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete Borrower is listed as XXX (with a space after AX) but the LLC documentation, title vesting, and deed of trust all show XXX (no space after AX). | ; ; ; Corrected Note received, in XXX review.; Document Uploaded. ; | 03/17/2026 | Client provided Correct Note with XXX. LM Updated. ; The Note is Present; Client provided Correct Note with XXX. LM Updated. ; The Note is Incomplete Borrower is listed as XXX (with a space after AX) but the LLC documentation, title vesting, and deed of trust all show XXX (no space after AX). | 03/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000581 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Resolved | FPRO3678 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Neither the Appraisal nor the Desk Review show the full address of the property (missing "Unit B"). | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/05/2026 | The issue with the property has been resolved.; Client provided Appraisal Update and/or Completion Report dated XX/XX/XXXX reflecting XXX. LM Updated.; One or more issues or defects with the property have been discovered. Neither the Appraisal nor the Desk Review show the full address of the property (missing "Unit B").; One or more issues or defects with the property have been discovered. Neither the Appraisal nor the Desk Review show the full address of the property (missing "Unit B"). | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000581 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Resolved | FCRE1241 | Credit | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing | ; Documentation received, XXX to review.; Document Uploaded. ; updated ; Documentation received, XXX to review.; Document Uploaded. ; | 02/05/2026 | Purchase Contract Doc is not Missing, or is XXX.; Client provided Purchase Contract Addendum reflecting XXX and XXX of $XXX. LM Updated.; Client provided Purchase Contract and Addendums. However, missing Addendum reflecting XXX of XXX Final CD Sale Price is XXX ; Client provided Purchase Contract with Addendums. LM Updated. | 02/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000581 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Resolved | FCRE2500 | Credit | Missing Personal Guaranty | Missing Personal Guaranty. Missing Personal Guaranty. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/02/2026 | Personal Guaranty provided.; Client provided Guaranty for the Borrower. LM Updated.; Missing Personal Guaranty. Missing Personal Guaranty. | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000581 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Resolved | FCRE1173 | Credit | HO6 Master Insurance Policy is Missing | Missing HO-X Master Insurance Policy Missing Master Insurance Policy, loan #XXX that goes with this for the same borrower in the same complex provided a Master policy. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/02/2026 | HO-X Master Insurance Policy is fully present; Client provided HO-X Master Policy with verification from XXX. LM Updated.; Missing HO-X Master Insurance Policy Missing Master Insurance Policy, loan #XXX that goes with this for the same borrower in the same complex provided a Master policy. | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000583 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Resolved | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete Borrower is listed as XXX (with a space after AX) but the LLC documentation, title vesting, and deed of trust all show XXX (no space after AX). | ; ; In reviewing the notes, the lender is saying that the following two loans do not have a space and would like to confirm that we can waive the condition on them; | 02/09/2026 | The Note is Present; Confirmed that the LLC name as printed on the Note matches the LLC documentation, title vesting, and DOT. Finding is resolved. ; ; The Note is Incomplete Borrower is listed as XXX (with a space after AX) but the LLC documentation, title vesting, and deed of trust all show XXX (no space after AX). | 02/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000583 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Acknowledged | FCRE6100 | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Seller credit of XXX exceeds the maximum XXX% contribution allowed by guidelines. | ; ; Low purchase price, the extra XXX% insignificant amount XXX Borrower has plenty of assets; XXX approved waiver | 02/09/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Low purchase price, the extra XXX% insignificant amount XXX Borrower has plenty of assets; If finding is being waived, please provide compensating factors to waive. ; Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Seller credit of XXX exceeds the maximum XXX% contribution allowed by guidelines. | 02/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000583 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Resolved | FCRE2500 | Credit | Missing Personal Guaranty | Missing Personal Guaranty. Missing Personal Guaranty. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/02/2026 | Personal Guaranty provided.; Client provided Guaranty from the Borrower. LM Updated.; Missing Personal Guaranty. Missing Personal Guaranty. | 02/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000583 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Resolved | FCRE9785 | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Contract shows purchase price of XXX with a deposit of XXX Final closing disclosure shows purchase price of XXX with a deposit of XXX Missing the Addendum showing these XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/06/2026 | Purchase Contract Doc is complete.; Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Contract shows purchase price of XXX with a deposit of XXX Final closing disclosure shows purchase price of XXX with a deposit of XXX Missing the Addendum showing these XXX. | 02/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000583 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Resolved | FCOM1232 | Credit | The Final 1003 is Missing | The Final XXXX is Missing Final XXXX is Missing | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/02/2026 | The Final XXXX is Present; Client provided Final XXXX dated XX/XX/XXXX. LM Updated.; The Final XXXX is Missing Final XXXX is Missing | 02/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000583 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Resolved | FPRO3678 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Neither the Appraisal nor the Desk Review show the full address of the property (missing "Unit D"). | ; Documentation received, XXX to review.; Documentation received in XXX review.; Document Uploaded. ; | 02/06/2026 | The issue with the property has been resolved.; One or more issues or defects with the property have been discovered. Neither the Appraisal nor the Desk Review show the full address of the property (missing "Unit D"). | 02/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000583 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements One month Statement provided for asset documentation from XXX XXX. XXX guidelines require XXX months Statements for asset documentation. | ; Document Uploaded. ; Documentation received, XXX to review.; | 02/02/2026 | Asset Qualification Meets Guideline Requirements; Client provided additional month bank Statement for XXX: XXX XXX account numbers XXX and XXX LM Updated.; Asset Qualification Does Not Meet Guideline Requirements One month Statement provided for asset documentation from XXX XXX. XXX guidelines require XXX months Statements for asset documentation. | 02/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000585 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Resolved | FCRE9785 | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Contract of Sale Addendum showing XXX of XXX and down payment of XXX is missing. | ; Documentation received in XXX review.; Document Uploaded. ; updated ; Documentation received in XXX review.; Document Uploaded. ; | 02/09/2026 | Purchase Contract Doc is complete.; Client verified XXX and Wires. However, missing Contract of Sale Addendum showing XXX of XXX and down payment of $XXX.; Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Contract of Sale Addendum showing XXX of XXX and down payment of XXX is missing. | 02/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000585 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Acknowledged | FCRE6100 | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% | ; ; Low purchase price, the extra XXX% insignificant amount XXX Borrower has plenty of assets; XXX approved waiver | 02/09/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Low purchase price, the extra XXX% insignificant amount XXX Borrower has plenty of assets; If finding is being waived, please provide compensating factors to waive. | 02/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000585 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Resolved | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete Borrower is listed as XXX (with a space after AX) but the LLC documentation, title vesting, and deed of trust all show XXX (no space after AX). | ; ; In reviewing the notes, the lender is saying that the following two loans do not have a space and would like to confirm that we can waive the condition on them; | 02/09/2026 | The Note is Present; Confirmed that the LLC name as printed on the Note matches the LLC documentation, title vesting, and DOT. Finding is resolved.; ; The Note is Incomplete Borrower is listed as XXX (with a space after AX) but the LLC documentation, title vesting, and deed of trust all show XXX (no space after AX). | 02/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000585 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing required two full months of bank Statements for XXX acct #XXX and XXX per XXX XXX DSCR program. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/02/2026 | Asset Qualification Meets Guideline Requirements; Client provided additional month Statement for XXX: XXX XXX account numbers XXX and XXX LM Updated.; Asset Qualification Does Not Meet Guideline Requirements Missing required two full months of bank Statements for XXX acct #XXX and XXX per XXX XXX DSCR program. | 02/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000585 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Resolved | FCRE2500 | Credit | Missing Personal Guaranty | Missing Personal Guaranty. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/02/2026 | Personal Guaranty provided.; Client provided Guaranty from the Borrower. LM Updated. | 02/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000587 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Resolved | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete Borrower is listed as XXX (with a space after AX) but the LLC documentation, title vesting, and deed of trust all show XXX (no space after AX). | ; ; ; ; ; Document Uploaded. Corrected Note received, in XXX review.; | 03/17/2026 | The Note is Present; Client provided Correct Note reflecting XXX. LM Updated.; The Note is Present; Client provided Correct Note reflecting XXX. LM Updated.; The Note is Incomplete Borrower is listed as XXX (with a space after AX) but the LLC documentation, title vesting, and deed of trust all show XXX (no space after AX). | 03/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000587 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Acknowledged | FCRE6100 | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Seller credit of XXX exceeds the maximum XXX% contribution allowed by guidelines. | ; ; Low purchase price, the extra XXX% insignificant amount XXX Borrower has plenty of assets; (XXX approved waiver) ; | 03/17/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Low purchase price, the extra XXX% insignificant amount XXX Borrower has plenty of assets; If finding is waived, please provide compensating factors. ; Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Seller credit of XXX exceeds the maximum XXX% contribution allowed by guidelines. | 03/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000587 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Resolved | FCOM1232 | Credit | The Final 1003 is Missing | The Final XXXX is Missing Final XXXX is Missing. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 03/17/2026 | The Final XXXX is Present; Client provided Final XXXX dated XX/XX/XXXX. LM Updated.; The Final XXXX is Missing Final XXXX is Missing. | 03/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000587 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Resolved | FCRE9785 | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Contract shows a deposit of XXX Final closing disclosure shows a deposit of XXX Missing the Addendum showing these XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/08/2026 | Purchase Contract Doc is complete.; Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Contract shows a deposit of XXX Final closing disclosure shows a deposit of XXX Missing the Addendum showing these XXX. | 02/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000587 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Per review of the other XXX files, we are missing Statements for XXX accounts XXX and XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/02/2026 | Asset Qualification Meets Guideline Requirements; Client provided XXX months bank Statements for XXX accounts XXX and XXX. LM Updated.; Asset Qualification Does Not Meet Guideline Requirements Per review of the other XXX files, we are missing Statements for XXX accounts XXX and XXX. | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000587 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Resolved | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. One month Statement provided for asset documentation. XXX guidelines require XXX months Statements for asset documentation. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/02/2026 | Asset Record XXX Meets G/L Requirements; Client provided XXX by XXX XXX account #XXX Statement dated XX/XX/XXXX. LM Updated.; Asset Record XXX Does Not Meet G/L Requirements. One month Statement provided for asset documentation. XXX guidelines require XXX months Statements for asset documentation. | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000587 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Resolved | FCRE2500 | Credit | Missing Personal Guaranty | Missing Personal Guaranty. Missing Personal Guaranty. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/02/2026 | Personal Guaranty provided.; Client provided Guaranty from the Borrower. LM Updated.; Missing Personal Guaranty. Missing Personal Guaranty. | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000589 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000591 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | FCOM9967 | Compliance | TRID: Loan Estimate Deficiency | Missing Page XXX of the Initial LE, dated XX/XX/XXXX. | ; ; Documentation received, XXX to review.; Document Uploaded. Please see XXX the complete initial LE; | 01/29/2026 | Complete initial LE provided; exception resolved | 01/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.X% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.X% is less than Guideline CLTV of XX% \| 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 XXX years on job.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000593 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000595 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000597 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000599 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | 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. | ; Documentation received in XXX review.; Document Uploaded. ; ; ; Please see e consent upload, please advise if those are not sufficient. thanks. Ignore first upload of full file ; Document Uploaded. ; ; ; | 02/05/2026 | Evidence of eConsent is provided.; The Blend document provided indicates the electronic consent is still pending | 02/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 250000599 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FCOM3592 | Credit | Missing Taxpayer First Act Disclosure | Taxpayer First Act Disclosure is missing. | ; ; Can you advise if this is the taxpayer consent form (one in same?), if so doesn't the URLA now contain the verbiage that covers? ; ; | 02/02/2026 | Taxpayer First Act Disclosure is provided | 02/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 250000601 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/26/2026 | Waived | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing required business narrative for XXX XXX Bank Statement program | ; ; Please waive for B grade. Comp factors XXX) XX% LTV (max XXX% allowed) XXX) XXX FICO (min XXX required) XXX) XXX% DTI (max XXX% allowed) ; | 02/02/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX) XX% LTV (max XXX% allowed) XXX) XXX FICO (min XXX required) XXX) XXX% DTI (max XXX% allowed); Income and Employment Do Not Meet Guidelines Missing required business narrative for XXX XXX Bank Statement program | 02/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| 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<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000603 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000605 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/27/2026 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage | ; Documentation received, XXX to review.; Document Uploaded. There is an email in the file from the insurance agent on how their rent loss insurance works. The borrower has up to XXX% of the dwelling coverage that they can use for rent loss; | 02/05/2026 | Rent Loss Coverage Present; Client provided email explanation for Coverage D - reflecting XXX% of Coverage A or XXX LM Updated. | 02/19/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.X% is less than Guideline CLTV of XX% \| 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 XX.X% is less than Guideline LTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000605 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/27/2026 | Resolved | FCRE7569 | Credit | Mortgage history for XXX less than XXX months | Provide Documentation from XXX of XXX Current Residence verifying if she lives rent free and the signer is actually XXX of XXX Current residence. | ; Documentation received in XXX review.; Document Uploaded. ; | 02/05/2026 | Client provided LOE reflecting XXX lives rent free with Sydney XXX. Cleared. | 02/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.X% is less than Guideline CLTV of XX% \| 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 XX.X% is less than Guideline LTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000607 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2026 | Resolved | FCRE2008 | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is XXX as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Policy does not referenced specific coverage for rent loss. Required per guidelines | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; ; Document Uploaded. Policy in file appears to exceed program guidelines ✅ Does the Policy Meet XXX DSCR Requirements? ⭐ YES — it meets (and exceeds) the DSCR requirements. Here's why: ✔ DSCR requires at least XXX months of rent loss insurance Your policy covers Actual Loss Sustained, which has no time limit and continues for the entire period of restoration. ✔ ALS is considered fully compliant Because ALS does not cap rent loss at less than XXX months, and coverage naturally extends to however long repairs take, it satisfies and exceeds the program's minimum XXX-month rent-loss requirement. ✔ Lenders regularly accept ALS wording for DSCR XX/XX/XXXX specifically need evidence that rent-loss exposure is covered for at least XXX months, and ALS accomplishes that automatically because: It does not provide less than XXX months, It may provide more, depending on repair duration, It meets the intent and language of the guideline.; | 03/17/2026 | Loss Rent Coverage is Sufficient; Client provided email from World Insurance Associates LLC reflecting the subject HOI covers rent loss sustained for XXX months. LM Updated.; Client re-uploaded HOI with explanation. However, XXX guidelines require for a minimum of XXX months rent loss to be documented instead of "actual loss sustained" If there is not a dollar amount or months listed, we have to cite for it.; The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is XXX as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Policy does not referenced specific coverage for rent loss. Required per guidelines | 03/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000607 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/30/2026 | Waived | FCRE8981 | Credit | Purpose does not meet eligibility requirement(s) | The subject property is XXX units, only XXX of the XXX units has a lease dated XX/XX/XXXX-XX/XX/XXXX, and the loan files does not contain evidence of recent leases for the remaining XXX units. For XX/XX/XXXX unit properties, guidelines State no more than XXX vacant unit is allowed at origination, and any vacant unit must provide evidence of a recent lease within the last two months. | ; ; Document Uploaded. Please waive for B grade. XXX exception for more than XXX vacant unit.; ; ; ; | 03/04/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX / DSCR XXX / Reserves: >XXX mo / Rate/term from XXX% to XXX% / Experienced investor | 03/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000607 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2026 | Waived | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as rural per XXX. | ; ; Document Uploaded. Please waive for B grade. XXX Exception approved for Rural property; | 03/04/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX / DSCR XXX / Reserves: >XXX mo / Rate/term from XXX% to XXX% / Experienced investor | 03/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000607 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2026 | Waived | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XX.XX% exceeds Guideline LTV of XX% Lowest appraisal value of XXX for LTV calculations. | ; ; Document Uploaded. Please waive for B grade - XXX Exception approved to use appraised value.; | 03/04/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX / DSCR XXX / Reserves: >XXX mo / Rate/term from XXX% to XXX% / Experienced investor; Audited LTV of XX.XX% exceeds Guideline LTV of XX% Property was purchased for XXX in the last XXX months. Per guidelines lower of original purchase price plus documented improvements to be used for calculations. Documented improvements missing from loan file. | 03/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000607 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXX DSCR vXX guidelines require two full months of asset verification. File contains one-month Statements for Newburyport Bank acct #XXX and XXX #XXX. | ; Documentation received in XXX review.; Document Uploaded. ; | 02/06/2026 | Asset Qualification Meets Guideline Requirements; Client provided additional bank Statement for Newburyport Bank #XXX and XXX #XXX. LM Updated.; Asset Qualification Does Not Meet Guideline Requirements XXX DSCR vXX guidelines require two full months of asset verification. File contains one-month Statements for Newburyport Bank acct #XXX and XXX #XXX. | 02/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000609 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(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 n estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). TILA XXXb 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 increase in the Discount Points and the Loan Origination Fee on the Final CD dated XX/XX/XXXX and no COC was found in the file explaining the reason for the increase. Please provide a Valid COC or Cure Package. | ; Document Uploaded. ; Documentation received in XXX review.; updated ; Documentation received, XXX to review.; | 02/09/2026 | Valid COC provided; exception resolved; This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(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 n estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i).; There was no additional documentation uploaded, the COC in the initial CD upload was for a different property/loan. Provide a valid COC for the increase in discount points on the revised CD | 02/09/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000609 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2026 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR §XXXX.XX(f)(X)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXXX.XX(f)(X)(i) no later than three business days before consummation. Documentation Required: The file is missing the Initial CD issued and received by the borrower at least XXX days prior to loan consummation. | ; Documentation received in XXX review.; Document Uploaded. ; | 02/04/2026 | Initial CD provided; exception resolved; Initial CD provided; exception resolved | 02/04/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000611 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000613 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing property tax and HOI documentation for XXX  | ; Documentation received in XXX review.; Document Uploaded. ; ; | 02/06/2026 | Client provided Mortgage Account Statement, XXX Protection Policy Declaration, Tax Assessor\Collector\XXX County and XXX search about XXX tax Exemption (Cap on Appraised value). Cleared. | 02/06/2026 | 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.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000615 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000617 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2026 | Resolved | FCRE6737 | Credit | Missing Letter of Explanation (Income) | Missing LOE for withdrawals being greater than deposits on XXX out of the XXX business bank Statements, and for declining balances | ; Document Uploaded. Condition - Provide a signed letter of explanation for the continuous use of third-party small business loans reflected in XXX (Salaries) account ending in XXX - The trend of the use of said small biz loans is consistent with the borrower's trend. We are using a XXX% expense factor, and these are not included as any income. Also, they are accounted for with the expense factor. The borrower explained the reason for what appears to be a decline in balances, however this LOE would support why he would take small biz loans while managing funds to pay off larger debt over the year. ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; | 03/02/2026 | LOE for declining balances provided. ; Provide a signed letter of explanation for the continuous use of third party small business loans reflected in XXX (Salaries) account ending in XXX | 03/02/2026 | Borrower has stable job time<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000617 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2026 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing VOM for XXX. XXX #XXX | ; Document Uploaded. ; Documentation received, XXX to review.; ; ; Documentation received, XXX to review.; Document Uploaded. XXX LP and UW email conversation for the condition ; updated ; Document Uploaded. Uploaded CD for XXX; Documentation received in XXX review.; | 02/25/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not XXX present.; Client provided VOM for XXX. LM Updated.; Final CD provided showing XXX paid off on XX/XX/XXXX. Missing Verification of Mortgage (VOM)(Mortgage History) for XXX.; Final CD provided showing XXX paid off on XX/XX/XXXX. MISSING MORTGAGE verification prior to refinance. ; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing VOM for XXX. XXX #XXX; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing VOM for XXX. XXX #XXX | 03/02/2026 | Borrower has stable job time<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000617 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2026 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Missing executed HELOC closure letter for B of A acct #XXX | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/13/2026 | Property Title Issue Resolved; Client provided Close Credit Line/Equity Line Authorization. LM Updated.; Property Title Issue Resolved; Property Title Issue Missing executed HELOC closure letter for B of A acct #XXX | 03/02/2026 | Borrower has stable job time<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000617 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/30/2026 | Rescinded | FCRE8201 | Credit | Loan does not conform to program guidelines | Delivery data indicates an exception to guidelines was approved, but it was not contained in the loan file for review. |  | 02/02/2026 | Documentation shows the exception was denied. Finding is rescinded. | 02/02/2026 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000619 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000621 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000623 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/29/2026 | Acknowledged | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements All funds utilized for asset depletion are required to be seasoned at least six months. BX received a large deposit in XXX XXX which was proceeds from sale of a business she had ownership in. Lender approved the exception without any compensating factors listed. | ; | 02/04/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledged the following compensating factors for this purpose: XX% LTV (max XXX%), XXX FICO (min XXX), XXX% DTI (max XXX%), equity in current primary (retaining), stable employment (non-S/E), XXX months reserves. Asset depletion accounts for just less than XXX% of qualifying income.; Asset Qualification Does Not Meet Guideline Requirements All funds utilized for asset depletion are required to be seasoned at least six months. BX received a large deposit in XXX XXX which was proceeds from sale of a business she had ownership in. Lender approved the exception without any compensating factors listed. | 02/04/2026 | 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.<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000625 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2026 | Resolved | FCRE6873 | Credit | Fraud alert is present on the credit report | High Risk Fraud Alert on the credit report dated XXX. Provide documentation to support fraud alert was resolved. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; Condition updated XXX ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 04/01/2026 | Client provided LOE stating: My XXX office is located at XXX., #XXX, XXX. The prior XXX ran a XXX from the location so that is likely why it is showing as a medical office/commercial space. I've only used it as a commercial space for my XXX work. LM Updated.; The no Fraud Alerts was reported by XXX, however XXX is showing Open Fraud alerts related to previous addresses that would need to be addressed. ; | 04/01/2026 | 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.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000625 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/02/2026 | 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 Seller's fraud report identifies possible NAL transaction. Please provide explanation and/or documentation to clear. | ; | 02/02/2026 | Purchase is considered to be an Arm's Length Transaction, or XXX; Condition was reviewed by XXX SVP and XXX agrees this is not NAL transaction due to the following: Borrower did not receive a commission on this transaction, Disclosed that they are a XXX, FSBO-no relationship of seller to borrower; Transaction is not considered to be non-arm's length per FNMA/XXX: Borrower did not receive a commission on this transaction Disclosed that they are a XXX FSBO-no relationship of seller to borrower | 03/25/2026 | 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.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000625 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/02/2026 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Credit Report identifies "payment deferred" with XXX Bank Home Equity Line of Credit account #XXX. Please provide explanation for deferment and proof that it is not due to a financial hardship. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 02/26/2026 | Client provided LOE from the Borrower stating: am not sure why the credit report is showing that the XXX payments are in deferment. I've provided prior Statements and now the XXX Statement showing multiple payments having been made. So, if the payment is deferred, it is not by my request and I've continued to use the line of credit and pay payments as needed. LM Updated. | 02/26/2026 | 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.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000625 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2026 | Resolved | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XX% exceeds Guideline LTV of XX% The Max LTV for a borrower that does not meet the criteria of experienced investor for the XXX XXX Expanded DSRR program is XXX% | ; Documentation received, XXX to review.; Document Uploaded. per UW, borrower is not a first-time investor. He owns a commercial property which we have the documentation to support and we have a lease from XXX to XXX with the tenant that he was leasing it too. We also have the corp docs showing his ownership of the corporation that is currently in title. Documents are XXX.; ; ; Borrower appears to be first time investor. Cannot see any other mortgages or owned XXX. LTV exception to be reviewed by XXX XXX once other issues resolved ; ; | 02/24/2026 | Audited LTV of XX% is less than or equal to Guideline LTV of XX% | 02/24/2026 | 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.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000625 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/30/2026 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower X Credit Report is XXX Present. | ; Documentation received, XXX to review.; Document Uploaded. per UW, Credit XXX is XXX from XX/XX/XXXX showing no TU fraud alert. This XXX was pulled from ALL XXX repositories. I have XXX it.; ; ; ; | 02/24/2026 | Borrower X Credit Report is not XXX present.; | 02/24/2026 | 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.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000627 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/30/2026 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Missing executed Business Purpose Affidavit | ; Documentation received in XXX review.; Document Uploaded. Business Purpose Aff; | 02/09/2026 | Business Purpose Affidavit/Disclosure Provided; Business Purpose Affidavit/Disclosure Missing Missing executed Business Purpose Affidavit | 02/09/2026 | 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 CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000629 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000631 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000633 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/30/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines XXX Expanded vXX guidelines require XXX or XXX months of complete business bank Statements from the same account. Missing XX/XX/XXXX & XX/XX/XXXX Credit Union business bank Statement to complete the XXX months. | Documentation received, XXX to review.; Document Uploaded. ; ; Looks like file has XX/XX/XXXX - XX/XX/XXXX if file for XXX months? There is also a XX/XX/XXXX stmt in file; | 02/20/2026 | Income and Employment Meet Guidelines; Client provided XXX account #XXX Statements for XX/XX/XXXX and XX/XX/XXXX. LM Updated.; The XX/XX/XXXX Statement is missing. Per guidelines "Statements must be consecutive and reflect the most recent months available." Since the XX/XX/XXXX Statement is available., the most consecutive months would be XX/XX/XXXX-XX/XX/XXXX. Missing the complete Statement from XXX and XX/XX/XXXX, as the online printout for XX/XX/XXXX is not acceptable per guidelines. ; Income and Employment Do Not Meet Guidelines XXX Expanded vXX guidelines require XXX or XXX months of complete business bank Statements from the same account. Missing XX/XX/XXXX & XX/XX/XXXX Credit Union business bank Statement to complete the XXX months. | 02/23/2026 | 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<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000635 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/30/2026 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Provide Business Purpose Affidavit/Disclosure not contained in loan file. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/10/2026 | Business Purpose Affidavit/Disclosure Provided; Client provided Business Purpose & XXX Affidavit for the Borrower. LM Updated.; Business Purpose Affidavit/Disclosure Missing Provide Business Purpose Affidavit/Disclosure not contained in loan file. | 02/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000637 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000639 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/03/2026 | Waived | FCRE2393 | Credit | Missing an established escrow impound account for taxes and insurance. | Escrow account required per XXX XXX DSCR guidelines. | ; DD to waive for B Grade. Post close exception approved for escrow waiver. Comp Factors: XXX mos PITIA reserves, enough reserves to cover over XXX months of tax and insurance payments, XXX FICO, XXX DSCR.; Post close exception Approved. Please note that there will be XXX price adjustment for escrow waiver exception.; XXX to review for exception. Pricing subject to change.; | 02/13/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX mos PITIA reserves, enough reserves to cover over XXX months of tax and insurance payments, XXX FICO, XXX DSCR. | 02/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000641 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/03/2026 | Resolved | FPRO3678 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Appraisal XXX is currently marked "Owner", however lease agreement in file for subject property has an effective date of XX/XX/XXXX for XXX year. Provide updated appraisal showing correct XXX information. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/11/2026 | The issue with the property has been resolved.; Client provided updated Appraisal reflecting Occupant as Tenant. LM Updated.; One or more issues or defects with the property have been discovered. Appraisal XXX is currently marked "Owner", however lease agreement in file for subject property has an effective date of XX/XX/XXXX for XXX year. Provide updated appraisal showing correct XXX information. | 02/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000643 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/03/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Loan file is missing hazard insurace policy for property located at XXX. Tax documentation was provided. | XXX; Document Uploaded. please see XXX, this property is not owned individually by the borrower. ; Documentation and comment received, XXX to review.; As this is not the borrowers property, please clear this condition. ; | 02/12/2026 | Client provided Financial Suite by CRS Data reflecting XXX as the current XXX. The property is not owned individually by the borrower. LM Updated. | 02/12/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |

| 250000643 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/03/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | ; Document Uploaded. lox for no business affiliates; Documentation received in XXX review.; | 02/06/2026 | Required Affiliated Business Disclosure Documentation Provided | 02/06/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> B | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 250000645 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2026 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | XXX XXX DSCR guide vXX requires subject property to be leased at the time of closing. Appraisal reflect property is vacant with no lease in place. Loan file suggests lease is in place to begin XX/XX/XXXX. | clear; Documentation received in XXX review.; Document Uploaded. ; ; ; | 02/10/2026 | copy of lease within XXX days of closing provided. | 02/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000647 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/04/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. The Blend report provided only indicates "pending consent" | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 02/10/2026 | Evidence of eConsent is provided. | 02/10/2026 | 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 XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000647 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/02/2026 | Waived | FCRE8506 | Credit | Application Profile Missing | Missing Business Narrative required for the XXX Expanded vXX Bank Statement Program. | ; ; Please waive for B grade. Comp factors XXX) XX% LTV - max XXX% allowed XXX) XXX FICO (min XXX required) XXX) DTI XXX% - max XXX% allowed. ; | 02/10/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX) XX% LTV - max XXX% allowed XXX) XXX FICO (min XXX required) XXX) DTI XXX% - max XXX% allowed. | 02/10/2026 | 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 XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000649 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000651 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/03/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Lender guidelines require a CDA/CCA if the cu risk score exceed XXX. The CU risks score is XXX. File is missing the required CDA/CCA. | ; Documentation received, XXX to review.; Document Uploaded. CDA ; ; ; | 02/17/2026 | Property/Appraisal Meets Guidelines; Client provided XXX CDA. LM updated.; Property/Appraisal guideline violation: Lender guidelines require a CDA/CCA if the cu risk score exceed XXX. The CU risks score is XXX. File is missing the required CDA/CCA. | 02/17/2026 | 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.<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000653 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/05/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA XXXb 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 is due to an increase in the Appraisal Fee from XXX on the initial LE to XXX on the final CD. A COC was provided citing XXX surcharge/per invoice, which is not considered a valid reason for the increase. This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(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 n estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). | ; ; ; Documentation received, XXX to review.; Document Uploaded. ; | 02/24/2026 | Cure package provided to the borrower; exception downgraded to a X/B; Cure package provided to the borrower; exception downgraded to a X/B | 02/24/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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 XX.XX% is less than Guideline LTV of XX%<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000653 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/04/2026 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue HELOC closing letter provided is incomplete. The top section Lender's information was left blank. Provide completed HELOC closing letter. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 02/24/2026 | Property Title Issue Resolved - completed HELOC closure letter provided.; Property Title Issue Resolved - completed HELOC closure letter provided.; Property Title Issue HELOC closing letter provided is incomplete. The top section Lender's information was left blank. Provide completed HELOC closing letter. | 02/24/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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 XX.XX% is less than Guideline LTV of XX%<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000653 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/05/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The Blend report provided States that e-consent is "pending". | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/13/2026 | Evidence of eConsent is provided.; The eSigned consent disclosure is missing. The Blend report provided States that e-consent is "pending". | 02/13/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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 XX.XX% is less than Guideline LTV of XX%<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000655 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000657 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/04/2026 | Resolved | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. XXX Expanded vXX guidelines require large deposits to be evaluated. Large deposits inconsistent with monthly income or deposits must be verified is using for down payment, reserves or closing costs. XXX Statement dated XX/XX/XXXX reflects a large deposit of XXX on XX/XX/XXXX. Lender provided letter of explanation stating deposit came another account borrower has with XXX, however Statement from said account was not provided. Missing documentation for source of deposit. | ; ; Hello, It was an online transfer, meaning internal, between the same account holder thus acceptable. ; Document Uploaded. ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; | 02/23/2026 | Client solution: Removed XXX for large deposit. Assets still qualify per GL. LM Updated.; Asset Record XXX Meets G/L Requirements; Deposit was an online transfer. Bank Statement from origination account not provided, so unable to verify who it came from. XXX guidelines require all large deposits to be sourced. ; ; Asset Record XXX Does Not Meet G/L Requirements. XXX Expanded vXX guidelines require large deposits to be evaluated. Large deposits inconsistent with monthly income or deposits must be verified is using for down payment, reserves or closing costs. XXX Statement dated XX/XX/XXXX reflects a large deposit of XXX on XX/XX/XXXX. Lender provided letter of explanation stating deposit came another account borrower has with XXX, however Statement from said account was not provided. Missing documentation for source of deposit.; Asset Record XXX Does Not Meet G/L Requirements. XXX Expanded vXX guidelines require large deposits to be evaluated. Large deposits inconsistent with monthly income or deposits must be verified is using for down payment, reserves or closing costs. XXX Statement dated XX/XX/XXXX reflects a large deposit of XXX on XX/XX/XXXX. Lender provided letter of explanation stating deposit came another account borrower has with XXX, however Statement from said account was not provided. Missing documentation for source of deposit. | 02/23/2026 | 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 XXX years on job.<br> C<br> A | B | A<br> C | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> A | A | A | A | A | A |
| 250000657 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/05/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | ; Document Uploaded. | 02/09/2026 | Required Affiliated Business Disclosure Documentation Provided | 02/09/2026 | 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 XXX years on job.<br> C<br> A<br> B | B | A<br> C | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> A | A | A | A | A | A |
| 250000659 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/04/2026 | Resolved | FPRO1243 | Property | Second Appraisal is Missing | Second Appraisal Is Required and is Missing. XXX Expanded Alt Doc GLs vXX require a full Xnd appraisal be provided when the loan amount is =/> $XXX. The subject loan amount is $XXX. The UCDP report does reference the Xnd appraisal dated XXX with value of $XXX, but this appraisal is not in file. Lender to provide this appraisal. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/12/2026 | Client provided CDA dated XX/XX/XXXX reflecting a value of XXX LM Updated.; Second Appraisal Is provided.; Second Appraisal Is Required and is Missing. XXX Expanded Alt Doc GLs vXX require a full Xnd appraisal be provided when the loan amount is =/> $XXX. The subject loan amount is $XXX. The UCDP report does reference the Xnd appraisal dated XXX with value of $XXX, but this appraisal is not in file. Lender to provide this appraisal. | 02/12/2026 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000661 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/05/2026 | Resolved | FCRE1155 | Credit | Subject Property Address on Note does not match Insured Property Address | Subject Property on Note does not match Insured Property Address Insurance policy shows subject XXX as XXX, note shows it as XXX | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/25/2026 | Subject Property on Note matches Insured Property Address; Client provided Hazard Declarations for XXX. LM Updated.; Subject Property on Note does not match Insured Property Address Insurance policy shows subject XXX as XXX, note shows it as XXX | 02/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000663 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000665 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/04/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | ; Documentation received, XXX to review.; Document Uploaded. Affiliate Business Disclosure; ; | 02/18/2026 | Required Affiliated Business Disclosure Documentation Provided | 02/18/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| 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.<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 250000667 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/05/2026 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower X Photo Identification not provided. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 02/17/2026 | Photo Identification provided. | 02/17/2026 | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000667 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/05/2026 | Waived | FCRE8506 | Credit | Application Profile Missing | Business Narrative missing. | ; Please waive for B grade. Comp factors XXX) XXX FICO (min XXX) XXX) XX% LTV (max XXX%) XXX) $XXX in reserves ; | 02/10/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX) XXX FICO (min XXX) XXX) XX% LTV (max XXX%) XXX) $XXX in reserves | 02/10/2026 | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000669 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000671 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/05/2026 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XX CFR §XXXX.XX(e)(X)(i) he loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Lender credit decreased from XXX to XXX on the revised CD issued on XX/XX/XXXX without a valid COC in file. A cost to cure in the amount of XXX is required. Please provide a valid COC or cure package. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 02/12/2026 | Revised CD dated XX/XX/XXXX & valid COC provided - exception resolved | 02/12/2026 | 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 CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000671 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/05/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(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 n estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). TILA XXXb 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 Transfer Taxes on the revised CD dated XX/XX/XXXX without a valid COC in file. Please provide a valid COC or cure package. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 02/12/2026 | Revised CD dated XX/XX/XXXX & valid COC provided - exception resolved; Revised CD dated XX/XX/XXXX & valid COC provided - exception resolved | 02/12/2026 | 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 CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000673 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2026 | Waived | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. XXX XXX Expanded DSCR vXX guide requires XXX full months of asset verification. XXX month for Total XXX (XXX) XXXk acct #xxxx provided. FMHL overlays do not identify asset documentation requirements. | ; ; Please waive Xnd month asset Statement for B grade. We have discussed on other loans with team and fine to proceed as long as a minimum of XXX mo bank Statement documented for all assets used to qualify. Comp factors: FICO greater than minimum; DSCR XXX; XXX mo reserves ; | 02/10/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO greater than minimum; DSCR XXX; XXX mo reserves; Asset Record XXX Does Not Meet G/L Requirements. XXX XXX Expanded DSCR vXX guide requires XXX full months of asset verification. XXX month for Total Med (XXX) XXXk acct #xxxx provided. FMHL overlays do not identify asset documentation requirements. | 02/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000675 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/05/2026 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing An executed Business Purpose Affidavit/Disclosure was not found in the loan file and is required. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 02/19/2026 | Business Purpose Affidavit/Disclosure Provided; Client provided an email from the Borrower stating: XXX st. Unit Xc in XXX, il XXX will be an XXX property. (Rental unit) The property is currently unoccupied but will be rented out immediately upon completion of some cosmetic rehab work. They also confirmed that no family was occupying the property. LM Updated.; Business Purpose Affidavit/Disclosure Missing An executed Business Purpose Affidavit/Disclosure was not found in the loan file and is required. | 02/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000675 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/05/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report A Third Party Fraud Report is required and was not found in the loan file and must be provided. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/19/2026 | Third Party Fraud Report is provided; Client provided Third Party Fraud report for the Borrower. LM Updated.; Missing Third Party Fraud Report A Third Party Fraud Report is required and was not found in the loan file and must be provided. | 02/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000675 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/05/2026 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Rental loss insurance is required covering a minimum of six months PITIA, the insurance policy provided does not include rental loss, provide an updated policy that includes rental loss coverage. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/19/2026 | Rent Loss Coverage Present; Missing rent loss insurance coverage Rental loss insurance is required covering a minimum of six months PITIA, the insurance policy provided does not include rental loss, provide an updated policy that includes rental loss coverage. | 02/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000675 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/05/2026 | Waived | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XX% exceeds Guideline LTV of XX% Borrower does not meet the criteria of an experienced investor per XXX XXX DSCR program v XXX. Max LTV is XX% | ; ; ; | 02/19/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO and DSCR %; Audited LTV of XX% exceeds Guideline LTV of XX% Borrower does not meet the criteria of an experienced investor per XXX XXX DSCR program v XXX. Max LTV is XX% | 02/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000675 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/09/2026 | Resolved | FCRE6100 | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% | ; ; | 02/12/2026 | Audited Interested Party Contribution is less than or equal to Guideline Program Maximum; | 02/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000677 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/05/2026 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Business purpose affidavit not in file. XXX affidavit in file pg XXX | ; Documentation received, XXX to review.; Document Uploaded. Please see business purpose to clear condition; ; | 02/13/2026 | Business Purpose Affidavit/Disclosure Provided; Client provided Business Purpose & XXX Affidavit. LM Updated.; Business Purpose Affidavit/Disclosure Missing Business purpose affidavit not in file. XXX affidavit in file pg XXX | 02/13/2026 | 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<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000677 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/09/2026 | Waived | FCRE6100 | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% A Lender excepton was granted for Seller contribution to exceed XXX% max to XXX% Compensation factors include FICO of XXX DSCR score of XXX and history of carrying multiple mortgage accounts | ; | 02/13/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO of XXX DSCR score of XXX and history of carrying multiple mortgage accounts.; Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% A Lender excepton was granted for Seller contribution to exceed XXX% max to XXX% Compensation factors include FICO of XXX DSCR score of XXX and history of carrying multiple mortgage accounts | 02/13/2026 | 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<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000679 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/09/2026 | Resolved | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XX% exceeds Guideline LTV of XX% Borrower does not meet the criteria of experienced investor for the XXX XXX DSCR program vXX. Max LTV is XX% | ; Document Uploaded. Borrower, XXX S XXX owns XXX. See XXX Business License Search. ; Documentation received, XXX to review.; ; Please provide exception update. ; Documentation received, XXX to review.; Post Close Exception Request Entered. Pending Review.; Documentation was provided. First Time Investor that is self managing property has LTV cap of XXX% - XXX consider exception for LTV post close if requested - Reviewed on case by case basis. Please note exception may have impact on pricing if able to approve.; Document Uploaded. Borrower is a first time investor. See XXX documents supporting evidence of first time investor.; Documentation and comment received, XXX to review.; | 03/04/2026 | Audited LTV of XX% is less than or equal to Guideline LTV of XX%; Client provided SOS XXX for XXX reflecting the Borrower as Agent. LM Updated.; Client provided MERS ServicerID search. However, Lease provided in name of XXX for property at XXX XX/XX/XXXX XXX. Borrowers ownership of XXX would be required for proof of rental history. ; Lease provided in name of XXX for property at XXX XX/XX/XXXX. Borrowers ownership of XXX would be required for proof of rental history.; Audited LTV of XX% exceeds Guideline LTV of XX% Borrower does not meet the criteria of experienced investor for the XXX XXX DSCR program vXX. Max LTV is XX%; Audited LTV of XX% exceeds Guideline LTV of XX% Borrower does not meet the criteria of experienced investor for the XXX XXX DSCR program vXX. Max LTV is XX% | 03/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000679 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/05/2026 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Loan file is missing the XXX | ; Documentation and comment received, XXX to review.; Document Uploaded. See XXX ; | 02/17/2026 | Approval/Underwriting Summary is fully present; Missing Approval/Underwriting Summary. Loan file is missing the XXX | 03/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000681 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/09/2026 | Rescinded | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Secondary valuation provided is a Desk Review from XXX, and XXX is not an approved vendor. | ; Per Guidelines: Collateral Desktop Analysis (CDA) ordered from XXX, or a Consolidated Collateral Analysis (CCA) ordered from XXX is required to support the value of the appraisal. The Seller is responsible for ordering the CDA.; ; | 02/12/2026 | CU Score of XXX in file. Desk review was not required. Finding is rescinded. ; Property/Appraisal Meets Guidelines; Property/Appraisal guideline violation: Secondary valuation provided is a Desk Review from XXX, and XXX is not an approved vendor. | 02/12/2026 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250000683 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/06/2026 | Resolved | FCRE9785 | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Missing Contract of Sale Addendum reducing EMD XXX (p. XXX) to XXX (p. XXX) | ; ; Document Uploaded. ; Document Uploaded. I am including the addendum I received from Title today. She is still working on trying to obtain signatures for the seller at this point. ; Documentation received, XXX to review.; | 03/03/2026 | Purchase Contract Doc is complete.; Client provided Purchase Agreement addendum reflecting Initial Deposit of XXX LM Updated.; Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Missing Contract of Sale Addendum reducing EMD XXX (p. XXX) to XXX (p. XXX) | 03/03/2026 | 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%<br> C<br> A<br> B | C | A<br> C<br> B | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> A | A | A | A | A | A |
| 250000683 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/06/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(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 n estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). TILA XXXb Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The tolerance violation in the amount of XXX is due to increase from XXX to XXX for Discount Points. Because the loan failed the initial CD delivery date test due to missing Initial closing disclosure, any values that would be under a valid COC, if the disclosure had been provided, will not be considered valid for tolerance purposes. The violation may be cured if missing closing disclosure(s) are provided. Additional testing will be completed once the Initial CD is provided. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/25/2026 | Initial CD and valid COC received - exception resolved; Initial CD and valid COC received - exception resolved | 02/25/2026 | 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%<br> C<br> A<br> B | C | A<br> C<br> B | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> A | A | A | A | A | A |
| 250000683 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/06/2026 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR §XXXX.XX(f)(X)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXXX.XX(f)(X)(i) no later than three business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/25/2026 |  | 02/25/2026 | 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%<br> C<br> A<br> B | C | A<br> C<br> B | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> A | A | A | A | A | A |
| 250000685 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/09/2026 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing required letter of explanation addressing all inquiries with XXX days of closing. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/20/2026 | Received Inquiry LOX. Exception Resolved. | 02/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| 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.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000687 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/12/2026 | Resolved | FPRO3678 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. The appraisal photos show a large stain (possibly from water damage) on the kitchen ceiling of unit XXX that was not identified by the appraiser. | ; Document Uploaded. Documentation received, XXX to review.; | 02/23/2026 | The issue with the property has been resolved.; Updated appraisal provided addressing possible water stain issue. | 02/23/2026 | C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000689 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2026 | Resolved | FPRO1500 | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing A copy of the XXX Questionnaire is required and was not found in the loan file. Please provide. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 03/13/2026 | HOA Questionnaire Provided. Exception Resolved.; HOA Questionnaire Missing A copy of the XXX Questionnaire is required and was not found in the loan file. Please provide. | 03/13/2026 | 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%<br> D<br> A<br> B | A | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A | A | A | A | A | A |
| 250000689 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/05/2026 | 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 on Preliminary Title Commitment is XXX loan amount is XXX Provide a copy of the final Title Policy with a minimum of XXX coverage. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/13/2026 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage on Preliminary Title Commitment is XXX loan amount is XXX Provide a copy of the final Title Policy with a minimum of XXX coverage. | 03/13/2026 | 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%<br> D<br> A<br> B | A | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A<br> D<br> B | A | A | A | A | A | A |
| 250000691 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The Borrower's bank account #XXX with XXX is held jointly with an XXX Xrd party with no XXX% access letter provided. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/17/2026 | XXX% access letter received. ; Asset Qualification Meets Guideline Requirements; Asset Qualification Does Not Meet Guideline Requirements The Borrower's bank account #XXX with XXX is held jointly with an XXX Xrd party with no XXX% access letter provided. | 03/17/2026 | D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000691 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2026 | Waived | FCRE6100 | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% The subject transaction is a DSCR purchase of a non-owner XXX PUD. XXX DSCR VXX Guidelines are silent on seller concessions; therefore, using FNMA max of XXX% IPC for Non-Owner purchase. The subject seller concessions for $XXX exceed this limit. | ; ; ; Please waive condition. XXX exception granted. Comp factors: Excellent housing history - XXX Borrowers had enough $ to make up the difference between the XXX% and XXX% including reserves. Property appraised $XXX over XXX (VA is seller); | 03/16/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Excellent housing history - XXX Borrowers had enough $ to make up the difference between the XXX% and XXX% including reserves. Property appraised $XXX over XXX (VA is seller); Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% The subject transaction is a DSCR purchase of a non-owner XXX PUD. XXX DSCR VXX Guidelines are silent on seller concessions; therefore, using FNMA max of XXX% IPC for Non-Owner purchase. The subject seller concessions for $XXK exceed this limit. | 03/16/2026 | D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000691 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2026 | Resolved | FCRE2109 | Credit | Missing Lender Income Calculation Worksheet | The file is missing the Lender's DSCR Calculation. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/19/2026 | Client provided Debt Service Coverage Ratio Worksheet. LM Updated. | 02/19/2026 | D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000693 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/06/2026 | Waived | FPRO1502 | Property | HOA Does Not Meet Guidelines | HOA Does Not Meet Guidelines Lender Approved Exception in file, new construction condo pre-sale requirements not met, specifically XXX Condo. Exception approved as long as all XXX Expanded Full Doc guidelines met, DTI not to exceed XXX% loan amount not to exceed $XXX, condo project to meet all Fannie requirements except pre-sale, and loan locked and delivered as XXX condo. Compensating factors include the following: XXX yrs internationally known S/E business, limited credit user and business cash flow supports funds withdrawn with no impact to business operations. More reserves available than required, remaining in business account. | HOA Does Not Meet Guidelines Lender Approved Exception in file, new construction condo pre-sale requirements not met, specifically XXX Condo. Exception approved as long as all XXX Expanded Full Doc guidelines met, DTI not to exceed XXX% loan amount not to exceed $XXX, condo project to meet all Fannie requirements except pre-sale, and loan locked and delivered as XXX condo. Compensating factors include the following: XXX yrs internationally known S/E business, limited credit user and business cash flow supports funds withdrawn with no impact to business operations. More reserves available than required, remaining in business account. |  | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX yrs internationally known S/E business, limited credit user and business cash flow supports funds withdrawn with no impact to business operations. More reserves available than required, remaining in business account.; HOA Does Not Meet Guidelines Lender Approved Exception in file, new construction condo pre-sale requirements not met, specifically XXX Condo. Exception approved as long as all XXX Expanded Full Doc guidelines met, DTI not to exceed XXX% loan amount not to exceed $XXX, condo project to meet all Fannie requirements except pre-sale, and loan locked and delivered as XXX condo. Compensating factors include the following: XXX yrs internationally known S/E business, limited credit user and business cash flow supports funds withdrawn with no impact to business operations. More reserves available than required, remaining in business account. | 02/10/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.X% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.X% is less than Guideline LTV of XX% \| 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<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000695 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2026 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower X Credit Report is XXX Present. XXX credit inquiries reported in the previous XXX days all dated XX/XX/XXXX. Two from XXX and one from ARK mortgage. LOX in file was not completed. | ; DD to review. Attachment to finding. Finding was not resolved or noted why not accepted.; Documentation received, XXX to review.; Document Uploaded. ; | 02/17/2026 | Client provided Letter of Explanation for the XXX credit inquiries. LM Updated.; Borrower X Credit Report is not XXX present.; Client provided Letter of Explanation for the XXX credit inquiries. LM Updated. | 02/17/2026 | 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 CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000695 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2026 | 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. The borrower does not have sufficient funds to close/meet reserve requirements. Borrower transferred XXX into XXX account on XX/XX/XXXX from his XXX account. XXX was then withdrawn on XX/XX/XXXX. An updated Statement for the XXX account was not provided showing the withdrawal. Audit deducted XXX from account XXX leaving a balance of $XXX. Loan file contains gift letters for XXX and XXX however gift transfer is not documented in file. Total verified assts is $XXX. Borrower needs to bring XXX to closing plus XXX reserves = $XXX. borrower is short XXX in verified assets. Additionally an updated Statement for XXX is required. | ; ; Document Uploaded. ; Documentation received, XXX to review.; | 02/17/2026 | Client provided updated bank Statement for XXX account #XXX. Client also re-uploaded asset documents. LM Updated.; Funds are found to meet guidelines. | 02/17/2026 | 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 CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000695 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2026 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Loan file does not contain sufficient funds to meet reserve requirements of XXX months. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/17/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 02/17/2026 | 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 CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000695 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2026 | 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) Loan file does not contain sufficient funds to meet reserve requirements of XXX months. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/17/2026 | Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 02/17/2026 | 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 CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000697 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000699 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2026 | Waived | FCRE2393 | Credit | Missing an established escrow impound account for taxes and insurance. | XXX guidelines require escrow account for taxes and insurance. Taxes only escrowed per first payment letter. | ; Please waive for a B grade. Comp Factors- XXX in reserves/ XXX Fico/ DSCR of XXX; ; | 02/17/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose:: XXX in reserves/ XXX Fico/ DSCR of XX/XX/XXXX | 02/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000701 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/09/2026 | Resolved | FVAL1628 | Property | No HOA fees on appraisal and property identified as a PUD | Second appraisal dated XX/XX/XXXX discloses property is a XXX single-family residence with no HOA Dues. The Deed of Trust provided has a PUD rider XXX and appraisal dated XX/XX/XXXX reflects annual HOA dues of XXX Provide clarification for discrepancy and/or corrections. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/23/2026 | HOA documentation received. | 02/23/2026 | 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.<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000703 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/09/2026 | Waived | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XX% exceeds Guideline LTV of XX% | ; ; Please waive for B grade. Investor exception approved - Comp Factors: XXX FICO; No Mortgage Lates; XXX DSCR; XXX mos PITIA reserves (Covers XXX mos of tax and insurance payments), Borrower has managed properties since XX/XX/XXXX.; Exception Approved - Please note there will be XXX pricing adjustment for exception approval.; If unable to cure, please advise XXX and may consider post close exception. Please note there maybe impact to pricing if able to approve. Exceptions reviewed on case by case basis.; Documentation received, XXX to review.; Document Uploaded. Per GL's borrower is eligible for XXX%; First time investor self management of property limits LTV to XXX% per XXX DSCR guidelines.; | 03/12/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO; No Mortgage Lates; XXX DSCR; XXX mos PITIA reserves (Covers XXX mos of tax and insurance payments), Borrower has managed properties since XX/XX/XXXX.; ; Borrower is a first time investor per XXX XXX DSCR guidelines. Borrower does not meet experienced borrower definition. Per guidelines and experienced borrower is a Borrower who has owned two XXX or more properties for at least XXX months during the most recent XXX-month period. One XXX property must be an income producing property (residential or commercial). Borrower has owned one property (XXX) which included a rental unit. | 03/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000703 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2026 | Waived | FCRE2393 | Credit | Missing an established escrow impound account for taxes and insurance. | XXX guidelines require escrow account for taxes and insurance. | ; Please waive for B grade. Investor exception approved. Comp Factors: XXX FICO; No Mortgage Lates; XXX DSCR; XXX mos PITIA reserves (Covers XXX mos of tax and insurance payments), Borrower has managed properties since XX/XX/XXXX.; XXX to consider post close exception. Please note pricing will have impact for exception to waive escrows.; | 03/12/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO; No Mortgage Lates; XXX DSCR; XXX mos PITIA reserves (Covers XXX mos of tax and insurance payments), Borrower has managed properties since XX/XX/XXXX. | 03/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000705 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/09/2026 | Acknowledged | finding-4038 | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (XX CFR XXXX.XX(e)(X))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. XXX Expanded vXX does not allow Non-QM loans due to points and fees exceeding XXX% | ; DD to waive for B Grade. Fine to proceed as long as points and fees over XXX% per guidelines as long as they do not exceed XXX% with review with XXX team. Comp Factors: XXX FICO; XX.XX% LTV, XXX per month Residual Income; XXX mos PITIA reserves; This is a non-qm loan and should be tested at XXX% not XXX%.; ; XXX may consider exception waiver with points and fees exceeding XXX% but less than XXX%.; | 02/26/2026 | Client acknowledges EVX/B finding. Exception status changed to Waived per client's email request. | 02/26/2026 | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> D<br> B<br> C<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000705 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/09/2026 | Waived | FCRE6737 | Credit | Missing Letter of Explanation (Income) | Per XXX Expanded vXX guidelines, Each loan requires a CPA or XXX and signed XXX Business Narrative that includes at minimum details related to the description, nature, size (full-time employees and or XXX) and scope of the business. There was no Business Narrative in the file. | ; DD to waive for B Grade. Discussed with XXX team on other files and fine to proceed without since seller does not require. Comp Factors: XXX FICO, XX.XX% LTV, XXX per monthnth residual income; XXX mos PITIA reserves.; Please waive condition as Homebridge does not require a business narrative ; | 02/24/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO, XX.XX% LTV, XXX per monthnth residual income; XXX mos PITIA reserves. | 02/24/2026 | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> D<br> B<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000705 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/09/2026 | 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. (XX CFR XXX(a)(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 is required, but missing from the file. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/17/2026 | Evidence of appraisal delivery provided. | 02/17/2026 | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> D<br> B<br> A | C | B<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000707 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/09/2026 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Provide a copy of the final Title Policy with a minimum coverage of XXX | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/18/2026 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX | 02/18/2026 | 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%<br> C<br> A<br> B | C | A<br> C<br> B | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> B<br> A | C<br> A | A | A | A | A | A |
| 250000709 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000711 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/09/2026 | Resolved | FCOM7741 | Compliance | Final CD: Contact Information (page XXX) is incomplete | Page XXX of XXX of Final CD is missing. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 02/17/2026 | Final CD provided; exception resolved | 02/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000713 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000715 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/09/2026 | Resolved | FCRE5778 | Credit | Borrower 1 Credit Report is Expired | Borrower X Credit Report is Expired (Greater than XXX days from the Closing Date). Credit report in file is dated XX/XX/XXXX. Missing updated credit report within XXX days of closing. | ; Documentation received in XXX review.; Document Uploaded. ; | 02/17/2026 | Borrower X Credit Report is not Expired. | 03/31/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000717 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/09/2026 | Waived | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage | ; ; Please waive for Grade B. Comp Factors- XXX Score/ XXX DSCR/ Over XXX in cash assets; | 02/27/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose:: XXX Score/ XXX DSCR/ Over XXX in cash assets | 02/27/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000717 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Loan purpose is XXX refinance, and the appraisal identifies the subject to be XXX occupied. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 02/26/2026 | Property/Appraisal Meets Guidelines; Client provided Corrected Appraisal, XXX UCDP SSR and XXX UCDP SSR. LM Updated. | 02/26/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000717 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/09/2026 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). | ; Insurance Policy reflects coverage for replacement cost. ; | 02/18/2026 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 02/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000719 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2026 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Missing Rent Loss Insurance covering a minimum of XXX months for the subject property for the greater of in-place or market rent during disruption. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; Documentation received, XXX to review.; Document Uploaded. ; | 03/05/2026 | Rent Loss Coverage Present; Client provided Updated Policy for the subject property. LM Updated.; Client provided Hazard Policy for subject property. However, Missing Rent Loss Insurance covering a minimum of XXX months for the subject property for the greater of in-place or market rent during disruption. | 03/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000719 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/11/2026 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing |  | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/25/2026 | Business Purpose Affidavit/Disclosure Provided; Client provided Business Purpose & XXX Affidavit. LM Updated.; Business Purpose Affidavit/Disclosure Missing | 02/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000721 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000723 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000725 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2026 | 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. (XX CFR XXX(a)(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 is required, but missing from the file. | ; Documentation received, XXX to review.; Document Uploaded. Appraisal Delivered on XX/XX/XXXX. Loan closed on XX/XX/XXXX, Disbursed on XX/XX/XXXX. ; | 02/17/2026 | Evidence of appraisal delivery provided. | 02/17/2026 | 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. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 250000725 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | ; Documentation received, XXX to review.; Document Uploaded. Affiliated Business Disclosure Statement ; | 02/17/2026 | Required Affiliated Business Disclosure Documentation Provided | 02/17/2026 | 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. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 250000727 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2026 | Waived | finding-4038 | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (XX CFR XXXX.XX(e)(X))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Cure required: Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The following fees were included in the calculation: Mortgage Broker Fee paid by Borrower: XXX Underwriting Fee paid by Borrower: XXX | ; DD to waive for B Grade. Discussed with XXX team on other loan and fine to proceed with non-qm loan with points and fees exceeding XXX% but not to exceed XXX% Comp Factors: XX.XX% LTV; XXX mos PITIA reserves; DTI: XXX%; FICO: XXX; As per our compliance report the Total QM Points and Fees XXX which is XXX% and please be advised that this is a NQM loan and we can go up to XXX% please apply an exception ; | 02/17/2026 | Client is waiving in non-QM XXX Expanded loan for points and fees totaling XXX%. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XX.XX% LTV; XXX mos PITIA reserves; DTI: XXX%; FICO: XXX | 02/17/2026 | 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000727 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/12/2026 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Title is in the name of XXX XXX and held as husband and wife as joint tenants; however, XXX did not sign Deed of Trust. | ; ; Escalated Seller rebuttal to compliance for review. DD to reopen finding.; as per the DOT borrower is XXX a married woman as her sole and SEPERATE PROPERTY, so no need for the husband to sign the DOT; | 02/17/2026 | Grant Deed showing spouse signed rights to property away located in loan file. ; Property Title Issue Resolved | 02/17/2026 | 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000729 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000731 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/11/2026 | Resolved | FCOM3596 | Credit | Missing Prepayment Rider | Final closing disclosure shows potential XXX as high as XXX if the loan is paid off during the first XXX years. However, there is no prepayment addendum to go with the Note and there is no prepayment rider on the Mortgage. | ; ; ; ; ; Document Uploaded. ; Documentation received, XXX to review.; Document Uploaded. ; | 02/26/2026 | XXX rider provided. ; Client provided Note, Prepayment addendum to Note and Allonge to Note. Still need Prepayment Rider for the Mortgage. ; Client provided Prepayment Addendum to Note. LM Updated. Still need Prepayment Rider on the Mortgage.; Client provided Lease and Bank Statements from the Borrower. However, Final closing disclosure shows potential XXX as high as XXX if the loan is paid off during the first XXX years. However, there is no prepayment addendum to go with the Note and there is no prepayment rider on the Mortgage. | 02/26/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| 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 XX% is less than Guideline LTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000731 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/11/2026 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | Missing the current Lease Agreement for the in-place rent. | ; Document Uploaded. ; Documentation received, XXX to review.; | 02/19/2026 | Client provided Lease agreement for subject property. LM Updated. | 02/19/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| 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 XX% is less than Guideline LTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000731 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/11/2026 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Business Purpose & XXX Affidavit is missing. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/19/2026 | Business Purpose Affidavit/Disclosure Provided; Client provided Business Purpose and Non-Owner XXX Affidavit. LM Updated. | 02/19/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| 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 XX% is less than Guideline LTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000733 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/12/2026 | Waived | FCRE0376 | Credit | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Per XXX Expanded vXX guidelines, Minimum two XXX tradelines are required. The following requirements apply: Two XXX tradelines must be open for XXX XXX months and active within the most recent XXX (XXX onths, or Three XXX tradelines reporting XXX XXX months recent activity. Missing XXX Exception approval documentation. | ; ; ; | 04/01/2026 | Document Uploaded. Client approved an exception to guidelines for minimum tradeline requirements. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX) Qualifying with full payment of subject in DTI (XXX purchase), XXX) DTI XXX% (max XXX% allowed), XXX) XXX FICO (min XXX required), XXX) in current home XXX years, XXX) S/E over XXX years. | 04/01/2026 | 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 XXX years on job.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000733 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/12/2026 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing | ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; | 03/06/2026 | Business Purpose Affidavit/Disclosure Provided; Client provided Business Purpose & XXX Affidavit. LM Updated.; Client provided Business Narrative for the Borrower's business. However, missing Business Purpose Affidavit. | 03/06/2026 | 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 XXX years on job.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000733 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/12/2026 | Resolved | FPRO1500 | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/24/2026 | HOA Questionnaire Provided; Client States: This warranty was issued using a current FNMA approval. Project documents are not required in this instance. Somerset Owner's Association Certification was provided. LM Updated. | 02/24/2026 | 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 XXX years on job.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000735 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/12/2026 | Waived | FCRE8506 | Credit | Application Profile Missing | Missing required busines narrative for XXX XXX Expanded Bank Statement program v XX/XX/XXXX | ; Please waive for Grade B. Comp Factors XXX% DTI/ XXX Residual/ XXX Score; | 02/17/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose:: XXX% DTI/ XXX Residual/ XXX Score | 02/17/2026 | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000737 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/11/2026 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final XXXX is Incomplete Missing properties on schedule of XXX - there is a mortgage with XXX (XXX which property this goes with) and XXX which is not matched up on this application. Also there are other owned properties shown in LOE page XXX | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 03/09/2026 | The Final XXXX is Present; Client provided Updated XXXX. LM Updated. | 03/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000737 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/11/2026 | Waived | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Rent loss missing: HOI policy does not show the dollar amount or the months covered. | ; ; Please waive for B Grade. Comp factors: FICO >XXX above min; DSCR >XXX; Perfect housing history XXX+; | 03/06/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose:: FICO >XXX above min; DSCR >XXX; Perfect housing history XXX+ | 03/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000739 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/11/2026 | Waived | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Rent loss missing: HOI policy does not show the dollar amount or the months covered. | ; ; Please waive for Grade B. Comp Factors- XX/XX/XXXX DSCR, FICO XXX Borrowers assets- $XXX; | 03/06/2026 | Waived per client request. Client accepts risk for B grade and acknowledges the following four XXX compensating factors for this purpose: XX/XX/XXXX DSCR, FICO XXX Borrowers assets- $XXX; Missing rent loss insurance coverage | 03/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000739 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/11/2026 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final XXXX is Incomplete Missing properties on schedule of XXX - there is a mortgage with XXX (XXX which property this goes with) and there are other owned properties shown in LOE page XXX | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; ; ; | 03/06/2026 | The Final XXXX is Present; Client provided Updated XXXX. LM Updated. | 03/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000739 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/11/2026 | Resolved | FCOM8804 | Credit | Missing Loan program disclosure | Missing Settlement Statement/final CD. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/06/2026 | Client provided Executed Settlement Statement. LM Updated. | 03/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000739 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/11/2026 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Dwelling coverage is insufficient to cover the loan balance – no replacement cost estimator was provided. | ; Per the insurance policy- there is replacement cost coverage on the property.; | 02/19/2026 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 02/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000741 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2026 | Cured | 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. (XX CFR §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(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 n 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 §XXXX.XX(e)(X)(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 §XXXX.XX(e)(X)(vi). TILA XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Recording Fee on the Initial CD dated XX/XX/XXXX | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/17/2026 | Cure package provided to the borrower; exception downgraded to a X/B; Cure package provided to the borrower; exception downgraded to a X/B | 02/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000741 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2026 | 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. (XX CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/17/2026 | Evidence of appraisal delivery provided. | 02/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000741 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/17/2026 | Required Affiliated Business Disclosure Documentation Provided | 02/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000743 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The property located at XXX XXX has a mortgage with XXX, however a mortgage Statement was not provided to evidence if taxes and insurance are escrowed and included in the payment listed on the credit report. | XXX; Documentation received, XXX to review.; Document Uploaded. ; x; Comment received, XXX to review.; A mortgage Statement wasn't provided. Instead, our team used a credit XXX (page XXX of the credit pkg) to show the property address and escrow status for that mortgage.; | 02/25/2026 | Client provided XXX X reflecting XXX - XXX Account/XXX/ XXX account / Per XXX above account is current with last payment made XX/XX/XXXX and next due XX/XX/XXXX and Monthly payment includes Taxes and Insurance. ; | 02/25/2026 | 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.<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 250000743 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/23/2026 | Required Affiliated Business Disclosure Documentation Provided | 02/23/2026 | 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.<br> D<br> A<br> B | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 250000745 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000747 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2026 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower X Gap Credit Report is Missing File contains origination credit report dated XX/XX/XXXX and an inquiry letter for inquiry dated XX/XX/XXXX (XXX). Missing updated credit report showing inquiry for XX/XX/XXXX. | ; ; Documentation received, XXX to review.; Document Uploaded. see page XXX ; | 02/23/2026 | Client provided Fraud Report reflecting Inquiry on XX/XX/XXXX. LM Updated.; Borrower X Gap Credit Report is not missing. | 02/23/2026 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000747 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Borrower purchased subject property cash on XX/XX/XXXX per Settlement Statement provided. Missing source of funds for the purchase required per FNMA guidelines. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/23/2026 | Asset Qualification Meets Guideline Requirements; Client provided XXX & Associates Construction Invoice for XXX and XXX & Associates Bank Statement with XXX Valley Bank reflecting XXX deposited XX/XX/XXXX. LM Updated | 02/23/2026 | 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<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000749 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(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 n estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). TILA XXXb 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 Appraisal Fee and the addition of a XXX second appraisal/desk review fee. The loan file does not include a valid COC for the increase and addition of the fees; however, there was a Lender credit of XXX added to the final CD issued XX/XX/XXXX. This Lender credit was removed on the Post Close CD issued XX/XX/XXXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/26/2026 | Cure package provided to the borrower; exception downgraded to a X/B; Cure package provided to the borrower; exception downgraded to a X/B | 02/26/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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 XXX years on job.<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000751 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2026 | 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) Documentation support XXX months required reserves in the amount of XXX not contained in file. | ; ; Documentation received, XXX to review.; Document Uploaded. reserves are from sell of property. see XXX settlement Statement; ; | 03/06/2026 | Client provided Settlement Statement for Refi on XXX. LM Updated.; Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 03/06/2026 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000751 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2026 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Documentation support XXX months required reserves in the amount of XXX not contained in file. | ; Documentation received, XXX to review.; Document Uploaded. reserves are from sell of property. see XXX settlement Statement; ; | 03/06/2026 | Client provided Settlement Statement for Refi on XXX. LM Updated.; Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 03/06/2026 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000751 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2026 | 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. Missing Asset documentation to support cash to close in the amount of XXX per settlement Statement, XXX reflects cash to close in the amount of XXX and XXX months required reserves in the amount of $XXX. | ; Documentation and comment received, XXX to review.; Document Uploaded. For some reason the proceeds from the refi of another property were not added to the assets screen. It has been added now. The final settlement Statement is in the file showing the transfer of the closing funds to title for this purchase and the net amount to the borrower for reserves. The Final Settlement Statement from that transaction is XXX, along with a corrected XXXX and XXX.; ; | 03/05/2026 | Funds are found to meet guidelines.; Client provided Correct XXXX, XXX and Settlement Statement for Refi on XXX. LM Updated. | 03/06/2026 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000751 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/20/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing Asset documentation to support cash to close and XXX months required reserves. | ; ; ; | 02/26/2026 | Asset Qualification Meets Guideline Requirements | 03/06/2026 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000751 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/20/2026 | Resolved | FCRE3843 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Missing Asset documentation to support cash to close and XXX months required reserves n the amount of XXX | ; ; ; ; | 03/05/2026 | The required number of months reserves are to be seasoned does meet Guideline requirement. | 03/06/2026 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000753 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2026 | Resolved | finding-4038 | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (XX CFR XXXX.XX(e)(X))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Cure required: Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The following fees were included in the calculation: Document Preparation Fee XXX Mortgage Broker Fee of XXX Loan Discount Fee of XXX and Underwriting Fee of $XXX. If Discount Points are bonafide and excludable, providing the PAR (undiscounted) rate may cure the violation. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; ; | 03/05/2026 | TM confirmed loan was underwrote to XXX guidelines without an overlay for QM P&F fails, and XXX allows them, XXX will accept QM Points and Fees fail as long as they are not considered to be high cost. Exception resolved.; Documentation provided agrees with review testing, the QM points and fees is over the threshold | 03/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000755 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/20/2026 | Resolved | FCRE2008 | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is XXX as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Missing Rent Loss Insurance covering a minimum of XXX months of local average monthly rents. | ; | 02/25/2026 | Loss Rent Coverage is Sufficient | 03/11/2026 | D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000755 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/20/2026 | Waived | FCRE8201 | Credit | Loan does not conform to program guidelines | Units XXX and XXX of the subject are vacant on a refinance transaction, Maximum XXX vacancy. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/05/2026 | Waived per Lender. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: - DSCR > XX/XX/XXXX - Excess Reserves XXX months | 03/05/2026 | D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000755 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/20/2026 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final XXXX is Incomplete Final XXXX is incomplete, The Final XXXX does not list all of the XXX owned by the borrower and mortgages to be matched to their respective properties. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/05/2026 | The Final XXXX is Present; Client provided Updated XXXX. LM Updated. | 03/05/2026 | D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000755 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/20/2026 | Rescinded | FCRE7347 | Credit | Missing Lease Agreement | Missing lease agreements for units XXX & Xof the subject property. | ; XXX funding does not require a lease agreement unless there is XXX concerns. | 02/25/2026 | XXX guidelines permit refinances to be vacant if property is in ready to rent condition. | 02/25/2026 | D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000757 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000759 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | Per the appraisal report the subject property is tenant occupied. LOX from borrower for delinquent taxes States he has a renter in the property, however rent from the appraisal report was used to calculate the DSCR. Lender guideline States the lower of the monthly lease amount and the Market Rent be used to calculate the DSCR percentage. Current rent was not documented in the loan file to verify if the market rent is the lower amount. A copy of the lease is generally not required however; when XXX concerns arise, additional items may be requested (including a copy of the lease, proof of receipt of rent, utility bills etc.). the borrower indicated that they are separated on the Final XXXX and does not own any other properties. Lease agreement should have been requested. | ; ; ; Documentation and comment received, XXX to review.; Document Uploaded. We received rent free letter on this file. No XXX concerns were present. ; ; ; | 03/11/2026 | LOEs provided showing borrower lives rent free with spouse. | 03/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000759 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Lender's guidelines require XXX months rental insurance. Policy in file does not reflect rental insurance. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; | 03/11/2026 | Rent Loss Coverage Present; Client provided email from email from Preferred Rate stating: Loss of Rents coverage is under the Business Loss of Income. This covers the lost rent from a covered loss for up to XXX months. LM Updated. | 03/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000761 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000763 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000765 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000767 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Waived | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The appraisal identifies the subject's location as XXX, but it is in a rural designation per the XXX map, which is ineligible per XXX guidelines. | ; Please waive for B grade. Investor exception approved. Comp factors: Low LTV, Experienced XXX, DSCR XXX Fico XXX.; ; | 03/12/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Low LTV, Experienced XXX, DSCR XXX Fico XXX | 03/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000767 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/12/2026 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Missing required Business Purpose Affidavit/Disclosure. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/04/2026 | Business Purpose Affidavit/Disclosure Provided; Client provided Business Purpose & XXX Affidavit. LM Updated. | 03/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000767 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/12/2026 | 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 XXX months asset Statements supporting the required reserves of $XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 03/04/2026 | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Client provided Ameriprise States for XX/XX/XXXX and XX/XX/XXXX. LM Updated. | 03/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000767 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/12/2026 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Missing XXX months asset Statements supporting the required reserves of $XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 03/04/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Client provided Ameriprise States for XX/XX/XXXX and XX/XX/XXXX. LM Updated. | 03/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000769 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/17/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | MISSING MORTGAGE Statements for XXX and XXX to verify PITI payment. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; ; Documentation received, XXX to review.; Document Uploaded. Please see XXX. We used a credit supp to validate this info; ; ; ; ; | 03/12/2026 | copy of Statement provided. ; Credit XXX provided, XXX if taxes and insurance are escrowed. | 03/12/2026 | 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%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000771 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/20/2026 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | The appraisal identifies the subject to be tenant occupied, but the lease agreement was not provided for review. | ; ; XXX guidelines do not require a copy of the lease agreement on DSCR transactions ; ; | 03/05/2026 | XXX guidelines do not require a copy of the lease agreement on DSCR transactions. | 03/05/2026 | 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 CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000771 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) XXX Months ITIA = XXX = (XXX x $XXX) is required for reserves + Cash to close XXX = XXX total funds needed. Total assets provided is XXX results in short reserves of $XXX. Approval shows only XXX months reserved used in calculation. | ; Documentation received, XXX to review.; Document Uploaded. Per matrix XXX mos req; ; | 03/05/2026 | Per XXX Cash Flow Advantage reserves are XXX months for amounts less than $XXX; Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 03/05/2026 | 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 CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000771 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | 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. XXX Months ITIA = XXX = (XXX x $XXX) is required for reserves + Cash to close XXX = XXX total funds needed. Total assets provided is XXX results in short reserves of $XXX. Approval shows only XXX months reserved used in calculation. | ; Documentation received, XXX to review.; Document Uploaded. Cash Flow Advantage req XXX months see XXX. ; ; | 03/05/2026 | Per XXX Cash Flow Advantage reserves are XXX months for amounts less than XXX LM Updated.; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 03/05/2026 | 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 CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000771 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCRE1321 | Credit | Missing XXX opinion letter/trust review documentation | A complete trust agreement is required. The file contained only a Trust Certificate. | ; ; We follow Fannie when it comes to accepting trust documents and they do allow for trust certs. Please clear; ; | 03/05/2026 | Trust certificates permitted per guidelines. | 03/05/2026 | 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 CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000773 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2026 | Waived | FCRE4678 | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. Payment shock of XXX% exceeds guidelines. Per guidelines, max payment shock is XXX% | ; Comp factors - XXX% DTI, XXX FICO, XXX years on job, reserves over required; ; ; Reviewing with credit XXX; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 03/11/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Employment XXX + Years, Excess Reserves XXX + Months | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| 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 XX.XX% is less than Guideline CLTV of XX%<br> D<br> B<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000773 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/17/2026 | Resolved | finding-4038 | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (XX CFR XXXX.XX(e)(X))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Fees included in the calculation: XXX Doc Prep fee; XXX Broker compensation; XXX Discount points; XXX Underwriting fee; Cure requires : XXX cure package should contain PCCD, LOE, copy of check and proof of delivery | ; ; ; Non-QM XXX% does not apply; ; ; ; ; ; Document Uploaded. Please see the XXX compliance ease and we are passing all compliance; Documentation received, XXX to review.; ; ; | 03/11/2026 | Loan is not considered high cost and per TM; This loan was underwritten to the XXX's guidelines, and they do not have a XXX% cap on P&F fails. For this trade, XXX will accept loans with QM P&F fails. ; The compliance ease document provided confirms the QM points and fees test is also failing which is agreement with review testing | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| 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 XX.XX% is less than Guideline CLTV of XX%<br> D<br> B<br> C<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000773 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2026 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOR for XXX to verify payment history. | ; Per XXX, they could not obtain a VOR so the loan should be reviewed to their 'no housing history' guidelines. Can you review to those requirements.; ; ; ; We did no housing history on this one.; ; ; | 03/11/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; A combined total of all late mortgage and rental payments in the past XXX months must be used to determine the housing history. For Private party XXX a VOR (or a copy of the current lease) will be required ALONG with XXX months of canceled checks. A VOR without canceled checks is allowed for properties managed by a XXX. | 03/11/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| 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 XX.XX% is less than Guideline CLTV of XX%<br> D<br> B<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000775 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/19/2026 | Rescinded | FCRE7347 | Credit | Missing Lease Agreement | Missing lease agreement for subject property. Per XXX XXX DSCR guidelines, property is required to be leased at time of closing for all refinance transactions. | ; ; ; ; ; ; ; Per XXX guidelines- a copy of the lease is generally not require unless there are XXX concerns then additional items may be requested. Please review to determine if there are XXX concerns or if it meets guidelines. ; | 02/27/2026 | Lease agreement not required for refinance as long as property is in ready to rent condition. | 02/27/2026 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000777 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Rescinded | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete A pre-payment penalty is not allowed unless the loan closed with a borrower structured as a XXX. Provide a corrected note without a pre-payment penalty. | ; ; ; ; | 03/10/2026 | XXX guidelines do not restrict PPPs in XXX to XXXs and XXXs, which meets State regulatory requirements. Finding is rescinded. | 03/10/2026 | C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000777 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The loan application reflects an REO at XXX with no mortgage. Provide evidence this property is free and clear or provide XXX months recent mortgage history with no more than XXX. | ; ; ; ; ; ; ; This property was not in the name of the borrower or on credit so it could be removed per our guides on DSCR. Please clear this condition. ; ; | 03/10/2026 | This is not required per XXX guidelines. Finding is resolved. ; Property is listed on XXXX and XXX fraud report as owned by the borrower. XXXX shows has a private mortgage. Documentation to reconcile mortgage payments required. | 03/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000777 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The appraisal reflects a value of XXX vs the CDA reflects a value of only XXX which is not within XXX% tolerance. Borrower LOX indicates the property increase is due to the subject underwent a full renovation, however, the appraisal indicates a CX condition without additional commentary outlining renovations. Provide a second full independent appraisal as required per guidelines if CDA variance exceeds XXX% | ; ; Documentation and comment received, XXX to review.; Document Uploaded. the wrong appraisal was included in the stack. As you can see from the final approval we were always using the XXX valuation in our underwrite. ; ; ; ; | 03/05/2026 | Third party valuation product provided within tolerance. | 03/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000779 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2026 | Rescinded | FPRO0951 | Property | Condo Approval Missing | Condo Approval Missing. Condo approval is Missing. | ; ; Subject property is a XXX unit condo. Does not need to meet condo approval.; ; | 03/05/2026 | Subject property is a XXX unit condo. Does not need to meet condo approval. | 03/05/2026 | D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 250000779 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/18/2026 | Resolved | FCRE1199 | Credit | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited Loan Amount of XXX is greater than the Guideline Maximum Loan Amount of XXX Per the XXX and Titanium guidelines, maximum loan amount for XX% LTV is XXX | ; Document Uploaded. Please refer to our previous matrix. this file was underwritten off of that; Documentation received, XXX to review.; ; ; | 03/05/2026 | Audited Loan Amount of XXX is less than or equal to the Guideline Maximum Loan Amount of $XXX; Client provided Titanium Advantage GL XX/XX/XXXX reflecting XXX Max Loan amount. LM Updated. | 03/05/2026 | 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<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 250000779 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2026 | Rescinded | FPRO1500 | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing | ; ; Per Appraisal - subject property is a XXX unit condo. HOA questionnaire is not needed.; ; | 03/05/2026 | subject property is a XXX unit condo. HOA questionnaire is not needed. | 03/05/2026 | D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 250000781 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/17/2026 | 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) The loan was approved under the XXX Year Fixed Titanium Advantage product, which allows a DTI of XXX% if the borrower has XXX months of reserves. The lender approved the loan at XXX% DTI; however, the borrower does not meet the XXX months reserves requirement. | ; Document Uploaded. Documentation received, XXX to review. Seller comment: "our matrix was updated on XX/XX/XXXX and this file was underwritten to the matrix before that. Please refer to the XXX."; Same as the other condition; ; | 03/05/2026 | Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Client States: Document Uploaded. Documentation received, XXX to review. Seller comment: "our matrix was updated on XX/XX/XXXX and this file was underwritten to the matrix before that. Please refer to the XXX." Titanium Advantage XX/XX/XXXX provided reflect XXX months PITIA for loan amounts XXX to XXX LM updated. | 03/05/2026 | 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<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000781 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/17/2026 | 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. The loan was approved under the XXX Year Fixed Titanium Advantage product, which allows a DTI of XXX% if the borrower has XXX months of reserves. The lender approved the loan at XXX% DTI; however, the borrower does not meet the XXX months reserves requirement. | ; ; Documentation and comment received, XXX to review.; Document Uploaded. our matrix was updated on XX/XX/XXXX and this file was underwritten to the matrix before that. Please refer to the XXX. ; ; ; | 03/05/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Client States: Document Uploaded. Documentation received, XXX to review. Seller comment: "our matrix was updated on XX/XX/XXXX and this file was underwritten to the matrix before that. Please refer to the XXX." Titanium Advantage XX/XX/XXXX provided reflect XXX months PITIA for loan amounts XXX to XXX LM updated. | 03/05/2026 | 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<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000783 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/12/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Require verification the borrowers have XXX% of their own funds into the transaction. The Lender notes specified that XXX must be from personal funds due to the XXX gift funds were already transferred to the borrowers and exceed funds to close. The loan file contains a wire for XXX and $XXX. Provide evidence one of these wire originated from XXX acct ending XXX or XXX to meet the XXX% requirement. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/24/2026 | Asset Qualification Meets Guideline Requirements; Client provided evidence that the wire for XXX was from the Borrower's XXX account #XXX. LM Updated. | 02/24/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000785 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000787 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/13/2026 | Resolved | FCOM1206 | Credit | The Note is Missing | The Note is Missing. Missing a copy of the executed Note. | ; Documentation received, XXX to review.; Document Uploaded. Copy of Note; | 02/25/2026 | The Note is Present.; Client provided executed Note. LM Updated. | 02/25/2026 | 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.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000787 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/13/2026 | Resolved | FCOM1220 | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing Missing the Deed of Trust. | ; Documentation received, XXX to review.; Document Uploaded. DOT; | 02/25/2026 | The Deed of Trust is Present; Client provided executed and notarized Deed of Trust, MERS Rider and X-X Family Rider. LM Updated. | 02/25/2026 | 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.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000787 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/13/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing seller fraud report. | ; Documentation received, XXX to review.; Document Uploaded. Fraud Report; | 02/25/2026 | Third Party Fraud Report is provided; Client provided LoanSafe Fraud XXX report for the Borrowers. LM Updated. | 02/25/2026 | 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.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000787 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/13/2026 | Resolved | FCOM1229 | Credit | 1-4 Family Rider is Missing | X-X Family Rider is Missing. Missing the X-X Family Rider. | ; Documentation received, XXX to review.; Document Uploaded. RIder; | 02/25/2026 | The X-X Family Rider is Present; Client provided executed and notarized Deed of Trust, MERS Rider and X-X Family Rider. LM Updated. | 02/25/2026 | 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.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000789 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000791 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000793 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000795 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/16/2026 | Resolved | FCRE1197 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of is less than Guideline FICO of XXX | ; ; Documentation received, XXX to review.; Document Uploaded. Please see XXX ; Disclosed FICO XXX - Finding will be reviewed once CR's uploaded for review.; | 02/25/2026 | Client provided Credit Report dated XX/XX/XXXX. LM Updated.; Audited FICO of XXX is greater than or equal to Guideline FICO of XXX | 02/25/2026 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000795 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/16/2026 | Resolved | FCRE5770 | Credit | Borrower 1 Credit Report is Missing | Borrower X Credit Report is Missing. Credit report is missing from the loan file. Liabilities were updated from the Final XXXXs. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 02/25/2026 | Client provided Credit Report dated XX/XX/XXXX. LM Updated. ; Borrower X Credit Report is not missing. | 02/25/2026 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000795 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/16/2026 | Resolved | FCRE5771 | Credit | Borrower 2 Credit Report is Missing | Borrower X Credit Report is Missing. Credit report is missing from the loan file. Liabilities were updated from the Final XXXXs. | ; ; Documentation received, XXX to review.; Document Uploaded. Please see XXX ; | 02/25/2026 | Client provided Credit Report dated XX/XX/XXXX. LM Updated. ; Borrower X Credit Report is not missing. | 02/25/2026 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000797 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/16/2026 | Waived | FCRE8506 | Credit | Application Profile Missing | Missing Business Narrative required for the XXX Expanded vXX Bank Statement Program. | ; DD to waive for B Grade. Reviewed with other files and fine to proceed with NDM not obtaining per their own guidelines. Comp Factors: XX% LTV; XXX per month residual income; XXX% DTI; XXX FICO; No Mortgage Lates; XXX purchases loans to NDM's guidelines which doesn't require the business narrative. please clear. thank you!; | 02/25/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XX% LTV; XXX per month residual income; XXX% DTI; XXX FICO; No Mortgage Lates | 02/25/2026 | 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 CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000797 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/16/2026 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Preliminary title report provided for subject property item #XXX reflects a mortgage of XXX opened XX/XX/XXXX and recorded XX/XX/XXXX. There is no documentation in the file showing mortgage is satisfied or paid off on final CD. | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/24/2026 | Property Title Issue Resolved; Client provided Title Policy reflecting mortgage of XXX opened XX/XX/XXXX and recorded XX/XX/XXXX removed, Property Details report, Original Note (wife's name) and LOE stating: This mortgage is not for the subject property- it is for the borrower's other property and says that it "affects other property". The mortgage in question is a Xst lien in the wife's name (she is not on our loan) and a copy of the note and property profile is XXX showing this. It does not appear on the subject's final policy. | 02/24/2026 | 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 CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000797 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/17/2026 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | TILA XXX required: A refund in the amount of XXX cure package: PCCD with LOE, copy of refund and proof of delivery. The Lender credit was removed on the CD issued XX/XX/XXXX version XXX without a valid reason (coc dated XX/XX/XXXX reflects waiving impounds and change in rate; however, the impounds were not included from start of loan and rate changed to current rate XX/XX/XXXX). This loan failed the lender credits that cannot decrease test. (XX CFR §XXXX.XX(e)(X)(i) he loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 02/24/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 02/24/2026 | 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 CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000797 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/17/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA XXX required: A refund in the amount of XXX cure package: PCCD with LOE, copy of refund and proof of delivery. The Discount Points increased on the CD issued XX/XX/XXXX version XXX without a valid reason (coc dated XX/XX/XXXX reflects waiving impounds and change in rate; however, the impounds were not included from start of loan and rate changed to current rate XX/XX/XXXX). This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(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 n estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). | ; Documentation received, XXX to review.; Document Uploaded. ; | 02/24/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 02/24/2026 | 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 CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | C | A<br> D | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> D<br> A | C<br> B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000799 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/16/2026 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Provide a copy of the final Title Policy with a minimum coverage of XXX | ; Documentation received, XXX to review.; Document Uploaded. Please see XXX title policy to clear condition; | 02/23/2026 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Client provided Alta Short Form Residential Loan Policy reflecting XXX in Amount of Insurance. LM Updated. | 02/23/2026 | 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.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000799 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/16/2026 | Rescinded | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Fraud report includes a new inquiry, alert cleared by underwriter, signed letter from borrower used to clear the condition was not found in the loan file and is required. | ; | 02/19/2026 | Inquiry in question is for the subject transaction. Finding is rescinded. | 02/19/2026 | D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000801 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2026 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The final application reflects REO at XXX is Free & Clear. The Hazard insurance reflects a mortgagee clause with XXX. Provide the most recent XXX month mortgage history with no more than XXX lates. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 03/09/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not XXX present.; Client provided LOE stating: Per the property profile the property located at XXX is owned free and clear. Client also provided RealQuest Property report reflecting no current liens on property. LM Updated. | 03/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000801 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/16/2026 | Resolved | FCOM1206 | Credit | The Note is Missing | The Note is Missing. Provide the executed Note. | ; Documentation received, XXX to review.; Document Uploaded. The original was shipped on XX/XX/XXXX tracking XXX. ; ; | 03/09/2026 | The Note is Present.; Client provided Executed Note. LM Updated. | 03/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000801 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2026 | Waived | FCRE8981 | Credit | Purpose does not meet eligibility requirement(s) | XXX DSCR vXX Guidelines State: For refinance transactions, XXX must be leased at the time of closing and the borrower must provide evidence that the property has been leased. The subject is a vacant XXX property, and there is no evidence that the property has a lease in place. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 03/03/2026 | Waived per client request. Risk accepted for B grade. Client acknowledges the following compensating factors for this purpose: DSCR and LTV. | 03/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000803 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/17/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(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 n estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). TILA XXXb 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 is due to the increase of the Florida Form XXX Fee from XXX to XXX and Title-Settlement Fee from XXX to XXX without a valid COC in file. Both fees were disclosed on the initial LE dated XX/XX/XXXX in section B as non shoppable and are subject to XXX% Please provide a valid COC or cure package. | ; | 02/23/2026 | Received email from client that came from seller confirming that borrower was able to shop for title fees. Exception resolved.; Received email from client that came from seller confirming that borrower was able to shop for title fees. Exception resolved.; This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(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 n estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). | 02/23/2026 | 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 XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000805 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000807 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2026 | Resolved | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XX% exceeds Guideline LTV of XX% Borrower does not meet the criteria of experienced investor for XXX XXX Expanded DSCR program vXX therefore the max LTV is XX% | ; ; Borrower has set up a management company to manage the property. Max LTV allowed is XXX%.; ; Document Uploaded. ; ; ; | 03/04/2026 | Audited LTV of XX% is less than or equal to Guideline LTV of XX%; Client provided XXX Agreement for the subject property. LM Updated. | 03/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000807 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2026 | Waived | FCRE6100 | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Lender Exception Request for Seller Credits exceeding guideline. Seller credits approved at XXX% All other program conditions apply. Compensating factors listed DSCR XXX LTV XX%, and FICO XX/XX/XXXX | ; | 03/04/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR XXX LTV XX%, and FICO XX/XX/XXXX | 03/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000809 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000811 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/16/2026 | Waived | FCRE2008 | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is XXX as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Rent loss coverage provided is XXX Requirement is PITIA of XXX x XXX = XXX Coverage is short $XXX. | ; Document Uploaded. DD to waive for B Grade. Approved Exception XXX.; XXX to review for exception. Please note there maybe impact to pricing if exception able to be approved.; | 02/27/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO; No Mortgage Lates; XX/XX/XXXX mos PITIA reserves | 02/27/2026 | C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000811 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/16/2026 | Waived | FCRE1481 | Credit | Asset 3 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Asset documentation does not meet guidelines - only XXX month provided | ; DD to waive for B Grade. Reviewed with XXX team and fine to proceed as long as minimum of XXX month bank Statement documented for assets used to qualify. Comp Factors: XXX FICO; No Mortgage Lates; XX/XX/XXXX mos PITIA reserves; | 02/27/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO; No Mortgage Lates; XX/XX/XXXX mos PITIA reserves | 02/27/2026 | C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000813 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000815 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Waived | FCRE2393 | Credit | Missing an established escrow impound account for taxes and insurance. | Missing established escrow account as required per XXX XXX DSCR guidelines. | ; ; Please waive- exception made for escrow. ; | 02/19/2026 | Waived per client request. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO and LTV. | 02/19/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000817 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/17/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. Xst e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Documentation received, XXX to review.; Document Uploaded. ; | 02/23/2026 | Evidence of eConsent is provided. | 02/24/2026 | 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 CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000817 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/17/2026 | Waived | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | The credit report reflects XXX tri-merge inquiry in last XXX days. LOX provided in file confirming no other new credit opened; however, the LOX is not signed. | ; Diligence, can this be waived for a B grade please? Comp factors: BORROWER HAS STABLE JOB TIME, Qualifying FICO IS GREATER THAN THE GUIDELINE MINIMUM, ORIGINAL CLTV IS BELOW THE GUIDELINE MAXIMUM, ORIGINAL LTV IS BELOW THE GUIDELINE MAXIMUM; ; | 02/20/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: BORROWER HAS STABLE JOB TIME, Qualifying FICO IS GREATER THAN THE GUIDELINE MINIMUM, ORIGINAL CLTV IS BELOW THE GUIDELINE MAXIMUM, ORIGINAL LTV IS BELOW THE GUIDELINE MAXIMUM | 02/24/2026 | 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 CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000819 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2026 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Missing proof that the XXX Heloc has been paid and closed to future draws | ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; | 02/26/2026 | Property Title Issue Resolved; Client provided Statement from XXX stating: This is to inform you that your Mortgages on the above referenced collateral is satisfied and paid in full as of XXX XXX would like to thank you for doing business with XXX and we hope to be of service to you in any future banking needs. LM Updated.; Client provided Payoff Statement and email stating XXX was successfully sent to XXX at XXX. However, HELOC line closure Statement (closed to future draws) was not provided. | 02/26/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000819 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/17/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Desk Review is provided by XXX, which is not recognized on XXX DSCR vXX guidelines as an approved XXX | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 02/23/2026 | Property/Appraisal Meets Guidelines; Client provided XXX CDA. LM Updated. | 02/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000821 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000823 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCOM1206 | Credit | The Note is Missing | The Note is Missing. Missing executed note. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/03/2026 | The Note is Present.; Client provided executed Note. LM Updated. | 03/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000823 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCOM1220 | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing Missing executed deed of trust. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/03/2026 | The Deed of Trust is Present; Client provided executed Deed of Trust and X-X Family Rider. LM Updated. | 03/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000823 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCOM1229 | Credit | 1-4 Family Rider is Missing | X-X Family Rider is Missing. Missing DOT and applicable riders | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/03/2026 | The X-X Family Rider is Present; Client provided Deed of Trust and X-X Family Rider. LM Updated. | 03/03/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000825 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/19/2026 | Rescinded | FCRE1254 | Credit | Property Title Issue | Property Title Issue Missing required Spousal consent for Married borrower in community property State. This is required per XXX XXX Expanded DSCR program vXX | ; ; ; Sent to escalations XX/XX/XXXX; ; ; ; ; ; ; ; ; ; ; This is A DSCR loan, and the we are not using rental income for qualification. However, the XXX has been provided and the property is tenant occupied. Please elaborate on possible ineligible XXX; Per seller- XXX is not a community State, spousal consent is not required.; ; ; | 03/18/2026 | The subject property is located in XXX, which is not a community property State. Finding is rescinded. ; Property Title Issue Resolved; XXX is an equitable property division State, which is the same as community property. Spousal consent would be required. | 03/18/2026 | D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000825 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/19/2026 | Waived | FCRE7347 | Credit | Missing Lease Agreement | Missing a copy of the lease agreement for the subject property. Appraisal in file reflects that the subject is tenant occupied. | ; Please waive for Grade B- comp factors- experienced investor with over XXX, DSCR XXX and FICO XXX; ; Please waive- subject transaction is a purchase. Qualifying off of market rents.; This is A DSCR loan, and the we are not using rental income for qualification. However, the XXX has been provided and the property is tenant occupied. Please elaborate on possible ineligible XXX; ; ; | 03/14/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: experienced investor with over XXX, DSCR XXX and FICO XXX; Per XXX guidelines "If there is an existing lease on the property that is being transferred to the borrower, it must be verified that the lease does not contain any provision impacting Lender's first lien position of the property." Copy of lease must be provided when tenant occupied | 03/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000825 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/19/2026 | Waived | FVAL5524 | Property | Ineligible Property | Per XXX website, property is rural. Rural properties as defined by XXX are not permitted per XXX Guidelines. | ; ; ; Please waive for Grade B. Fico XXX DSCR of XXX reserves of XXX months; Document Uploaded. This is A DSCR loan, and the we are not using rental income for qualification. However, the XXX has been provided and the property is tenant occupied. Please elaborate on possible ineligible XXX; ; | 02/27/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Fico XXX DSCR of XXX reserves of XXX months | 02/27/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000827 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Waived | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower X Credit Report is XXX Present. Per XXX DSCR vXX guidelines, Credit Report Maximum age: no more than XXX days from the XXX. The credit report in the file is XXX days. | ; ; Please waive for Grade B- XXX score, XX% LTV, mortgage history paid as agreed since XXX; ; Documentation received, XXX to review.; Document Uploaded. see pages XXX thru XXX of the XXX email and no suspense fees should be incurred. condition is not valid ; ; | 03/25/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX score, XX% LTV, mortgage history paid as agreed since XXX; Borrower X Credit Report is XXX Present. | 03/25/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000827 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/19/2026 | Waived | FCRE2393 | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX XXX guidelines, escrow account for taxes and insurance required. Taxes were only escrowed at closing. | ; ; Please waive for Grade B. Comp factors- XXX score, XX% LTV, mortgage history paid as agreed since XXX; ; ; | 03/09/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX score, XX% LTV, mortgage history paid as agreed since XXX | 03/09/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000827 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing payment for XX/XX/XXXX | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; | 03/09/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not XXX present.; Client provided Payment History for XX/XX/XXXX through XX/XX/XXXX. LM updated. | 03/09/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000829 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/19/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Per Lender's Income Calculation Worksheet, bank Statements from XXX thru XXX were used to qualify. File does contain Statement for XXX; however, that was not analyzed by Lender for exclusion of deposits. File is missing business bank Statement for XXX acct# XXX for XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; | 03/18/2026 | Income and Employment Meet Guidelines | 04/16/2026 | 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%<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 250000829 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/19/2026 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The Final XXXX reflects borrower has no primary housing expense. However, there is no "rent free" letter in file and no documentation for the property where she lives reflecting a third party in ownership. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/12/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Client provided Property Detail report and Deed of Trust for XXX both reflecting Ownership to The XXX Revocable Trust which the Deed of Trust shows XXX and XXX. LM Updated. | 03/12/2026 | 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%<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 250000829 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/18/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; ; | 03/03/2026 | Required Affiliated Business Disclosure Documentation Provided | 03/03/2026 | 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%<br> D<br> A<br> B | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 250000829 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/19/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The Final XXXX reflects borrower owns a parcel of land free and clear. File is missing evidence there are no liens against the property. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; ; | 03/03/2026 | Third Party Fraud report does not reflect a Mortgage for the property. ; Client provided Warranty Deed to the Borrower. LM Updated. | 03/03/2026 | 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%<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 250000829 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 02/18/2026 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report The file does contain an LDP/GSA search; however, the seller's full fraud report is missing. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; ; | 03/03/2026 | Third Party Fraud Report is provided; Client provided | 03/03/2026 | 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%<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 250000831 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Rent Loss coverage is missing from the Hazard Insurance document sent. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/02/2026 | Rent Loss Coverage Present; Client provided HOI reflecting Loss of Use coverage of XXX LM Updated. | 03/02/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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 XX.XX% is less than Guideline LTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000833 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage There is no evidence on the H/O insurance declaration page of coverage for loss of rent. | ; Document Uploaded. I am SO sorry-that fair rental page did not come over with the dec page for some reason-here it is!; Document Uploaded. ; The rent loss is automatically included-please see entire policy-specifically the coverage provided page where under A-XXX subsection d it shows "Fair Rental Value (XXX% built in coverage); ; Documentation received, XXX to review.; Document Uploaded. ; | 03/20/2026 | Rent Loss Coverage Present; ; ; HOI Dec page provided, but no rent loss coverage listed on policy. | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000835 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Waived | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Hazard Policy shows Rent Loss coverage is included but no specific dollar amount nor months were provided. Wording says "see policy" but no full policy terms were provided. | ; ; Please waive for Grade B- comp factors- XXX XX.XX% LTV, DSCR XXX; ; ; | 03/09/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX XX.XX% LTV, DSCR XXX; | 03/09/2026 | 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 XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000835 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Waived | FCRE2500 | Credit | Missing Personal Guaranty | Missing Personal Guaranty. Missing Personal Guaranty from XXX% XXX. There is a Unanimous Consent & Resolution on page XXX but no Guaranty. | ; Please waive for Grade B- not required for CCM- Comp factors- XXX score, XX/XX/XXXX DSCR, XX.XX% LTV.; ; Documentation received, XXX to review; Document Uploaded. ; ; | 03/09/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX score, XX/XX/XXXX DSCR, XX.XX% LTV.; XXX XXX guidelines require All loans are required to have a full recourse personal guaranty by all material owners. All loans must have full recourse guaranties by at least XXX% of the owners. The borrower is a legal entity, all members of the entity with XXX% or more controlling interest are considered material owners and must provide a full recourse guarantee. | 03/09/2026 | 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 XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000835 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCOM2727 | Credit | Final CD: Calculating Cash to Close Closing Costs Paid, Closing Costs Financed, Down Pmt, Deposit, and/or Funds for Borrower discrepancy | Missing page XXX of the Settlement Statement, manually calculated Cash to Borrower. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; ; | 03/05/2026 | completed final settlement Statement provided. | 03/05/2026 | 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 XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000835 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/19/2026 | Waived | FCRE2393 | Credit | Missing an established escrow impound account for taxes and insurance. | Per XXX XXX guidelines, escrow account for taxes and insurance required. No Escrow account established at closing. | ; Please waive for Grade B- comp factors LTV XX.XX%, DSCR XXX Fico; | 02/23/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: LTV XX.XX%, DSCR XXX Fico | 02/23/2026 | 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 XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000837 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | FPRO3678 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Per review of the appraisal pages XXX-XXX: Unit XXX bath on page XXX shows a toilet that appears to be non-functional/winterized, no comments on this. Subject rear photo on page XXX shows the back door with plywood on the lower panel, no comments on this. | ; Documents uploaded for review.; Document Uploaded. ; ; | 03/06/2026 | The issue with the property has been resolved.; Client provided Updated Appraisal with Appraiser notes reflecting XXX The water was turned off to prevent the pipes from freezing in unit two at the time of the effective date because it was vacant. XXX The rear door was functional at the time of the effective date. The plywood is on the storm door for no apparent reason as the door was functional otherwise. LM Updated. | 03/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000837 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Waived | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Missing the Rent Loss coverage. | ; ; Please waive for Grade B- comp factors XXX DSCR, Fico XXX Experienced investor with XXX; | 03/06/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX DSCR, Fico XXX Experienced investor with XXX. | 03/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000837 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCOM2727 | Credit | Final CD: Calculating Cash to Close Closing Costs Paid, Closing Costs Financed, Down Pmt, Deposit, and/or Funds for Borrower discrepancy | Final Closing Disclosure or Settlement Statement is missing, XXX estimated per XXX and first payment letter. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/05/2026 | Client provided executed Settlement Statement. LM Updated. | 03/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000837 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCRE1480 | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements XXXX lists loan proceeds for XXX but there was no documentation showing this. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/05/2026 | Asset Record XXX Meets G/L Requirements Or XXX; Client provided Settlement Statements from XXX and XXX reflecting cash to Borrower. LM Updated. | 03/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000837 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCRE1157 | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy Missing the Hazard Insurance policy. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 03/05/2026 | Hazard Insurance Policy is fully present; Client provided Hazard Declaration for the subject. LM Updated. | 03/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000839 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Missing Rental income for XXX property at XXX. XXX has caused the DTI to increase from XXX% to XXX%. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; | 03/02/2026 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Client provided XXX XXX earnings report for XXX. LM Updated. | 03/02/2026 | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000839 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Waived | FCRE5123 | Credit | Missing Business Entity Formation Document | XXX Business Narrative missing. | ; ; Please waive for Grade B- Comp factors- XXX Score, XXX months reserves, XXX years self XXX; ; | 02/23/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX Score, XXX months reserves, XXX years self XXX | 02/23/2026 | 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.<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000841 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/19/2026 | Rescinded | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Total verified assets found in the loan file ($XXX + XXX + XXX gift funds = XXX minus cash to close XXX = XXX < XXX required reserves. The final application reflects a checking balance of XXX vs. balance in file of XXX for account ending XXX and balance of XXX vs. XXX for account ending XXX Provide additional assets to cover required XXX months reserves. | ; | 02/23/2026 | Documentation with updated balances located in loan file. ; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 02/23/2026 | C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000841 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/19/2026 | Rescinded | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) Reserves of XX/XX/XXXX months are less than guideline required reserves of XXX months. Total verified assets found in the loan file ($XXX + XXX + XXX gift funds = XXX minus cash to close XXX = XXX < XXX required reserves. The final application reflects a checking balance of XXX vs. balance in file of XXX for account ending XXX and balance of XXX vs. XXX for account ending XXX Provide additional assets to cover required XXX months reserves. | ; ; | 02/23/2026 | Documentation with updated balances located in loan file. ; Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 02/23/2026 | C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000843 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/20/2026 | Waived | FCRE7347 | Credit | Missing Lease Agreement | Subject is a XXX unit XXX property, two of the XXX leases are less than XXX months which is less than the total months required per XXX XXX Expanded DSCR vXX. A lender exception was granted, the compensating factors listed included Experienced investor with equity in many REOs, XXX is free and clear, and a XXX FICO | Subject is a XXX unit XXX property, two of the XXX leases are less than XXX months which is less than the total months required per XXX XXX Expanded DSCR vXX. A lender exception was granted, the compensating factors listed included Experienced investor with equity in many REOs, XXX is free and clear, and a XXX FICO | 02/20/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Experienced investor with equity in many REOs, XXX is free and clear, and a XXX FICO. | 02/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000845 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000847 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/20/2026 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOM for XXX XXX | ; ; Documentation received, XXX to review.; Document Uploaded. HB ICF guidelines on a refinance transaction, require verification of mortgage on subject property and XXX. In this instance, XXX XXX Unit XXX property is neither and therefore a VOM not required. XXX XXX Unit XXX is another rental property owned by the borrower. ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/20/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Client provided VOM for XXX XXX Unit XXX However, Missing VOM for XXX XXX Unit XXX (XXX #XXX). | 04/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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 XX.XX% is less than Guideline LTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000849 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000851 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000853 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/19/2026 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Missing HELOC closure letter for XXX acct #XXX | ; ; Documentation received, XXX to review.; Document Uploaded. Please find XXX credit sup showing account paid in full and closed. ; ; Document Uploaded. ; Documentation and comment received, XXX to review.; Document Uploaded. This is the MERS printout for this loan. It is showing inactive.; | 03/06/2026 | Property Title Issue Resolved; Client provided XXX X verified - Home Equity / Line of Credit / Fixed Rate / Verified per conference call with XXX @ XXX, Last payment received XX/XX/XXXX, Account paid in Full and Closed. No Lates. LM Updated.; Client provided MERS Servicer ID search reflecting Min number is no longer active. However, still need HELOC closure letter for XXX acct #XXX. | 03/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000855 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/23/2026 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). There is no replacement cost estimator in the file. Total estimate of cost-new on appraisal report XXX loan amount XXX | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/02/2026 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Client provided RCE reflecting XXX Estimated Replacement Cost. LM Updated. | 03/02/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| 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 XX% is less than Guideline CLTV of XX%<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000857 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000859 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/20/2026 | Resolved | FPRO0383 | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. FEMA Major Disaster Declaration for Tennessee Severe Winter Storm (DR-XXX-TN) declared on February XXX Prior to that, the same storm was considered an Emergency Declaration on XXX XXX Public Assistance available for the subject's county (XXX). | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/02/2026 | FEMA Post Disaster Inspection report was provided.; Client provided XXX Post Disaster Inspection. LM Updated. | 03/02/2026 | 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 XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000859 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/20/2026 | Waived | FPRO3678 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. One unit was vacant per appraisal report. Unit B per lease agreement page XXX is XXX per monthnth and the lease is month to month and just started XX/XX/XXXX (after the date of the appraisal). Per lender guidelines, this must be in place for XXX months prior to origination. Lender exception approved for this, see pages XXX-XXX. Compensating factors: • FICO XXX • DSCR > XXX • Market Rents are higher • LTV XX% | ; ; | 03/02/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX DSCR > XXX Market Rents are higher, LTV XX% | 03/02/2026 | 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 XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000859 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/20/2026 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing. | ; Documentation received, XXX to review.; Document Uploaded. business purpose affidavit; | 02/27/2026 | Business Purpose Affidavit/Disclosure Provided; Client provided Business Purpose and Non-Owner XXX affidavit. LM Updated. | 02/27/2026 | 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 XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000861 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/20/2026 | Resolved | FCRE9488 | Credit | Potential XXX/Current Address Issues identified in the file | The intent and/or status of the borrower's XXX is not supported in the file. Transaction submitted as a purchase of an owner-occupied property. Borrower is currently married, and departure residence is bigger, it's a XXX bedroom, XX/XX/XXXX baths. The borrower is not responsible for the mortgage payments on departure residence the spouse is. Borrower also provided a letter of explanation stating she will be occupying the subject property and quit claiming her name of the departure residence due to getting a divorce in the future. Borrower and spouse also own a property in XXX per sellers' fraud report. A letter from borrower was provided stating she has no ownership in XXX property. File contains a Power of XXX for the non-borrowing spouse's signature requirement on the subject mortgage. Spouse also gave borrower a gift for XXX towards the purchase of the subject property. | ; ; Documentation received, XXX to review.; Document Uploaded. Please review the XXX LOX from the borrower \*\*\* there isn't a divorce decree or court order yet.; ; Per DD - would need something to evidence the divorce/separation in this instance. ; | 03/25/2026 | Intent of borrower's XXX supported; Documentation to support Divorce/Separation would be required in order to cure XXX issue. | 03/25/2026 | 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<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000863 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000865 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/20/2026 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Missing the XXX appraisal report. | ; Seller XXX appraisal report to finding. DD to review.; Documentation received, XXX to review.; Document Uploaded. ; | 02/27/2026 | Appraisal is Present or is Waived; Client provided Appraisal Report. LM Updated.; Client provided pages from the Appraisal. Appraisal is Missing. Missing the XXX appraisal report. | 02/27/2026 | 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 XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 250000865 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/23/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property is defined as Rural per XXX. Rural properties not permitted per guidelines. | ; Advise to review as Post Close Exception. Please note maybe impact to pricing if exception able to be approved.; Documentation received, XXX to review.; Document Uploaded. ; | 02/27/2026 | Property/Appraisal Meets Guidelines; Property/Appraisal guideline violation: Property is defined as Rural per XXX. Rural properties not permitted per guidelines. | 02/27/2026 | 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 XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 250000865 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/20/2026 | Resolved | FCRE8981 | Credit | Purpose does not meet eligibility requirement(s) | XXX DSCR vXX Guidelines State: For refinance transactions, XXX must be leased at the time of closing, and the borrower must provide evidence that the property has been leased. The subject is vacant single-family property, and there is no evidence that the property has a lease in place. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 02/26/2026 | Client provided Lease Agreement dated XX/XX/XXXX. LM Updated. | 02/26/2026 | 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 XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 250000867 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/20/2026 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOM for XXX acct #XXX | ; ; ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; ; ; | 03/25/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 03/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | D | A<br> D<br> C | D<br> C | D<br> C | D<br> C | D<br> C | D<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000867 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/23/2026 | Waived | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property designated as Rural per XXX. Per XXX XXX DSCR guidelines, Rural properties not permitted. | ; Please waive for Grade B- comp factors XXX DSCR, XX% LTV, Fico XXX; Please waive for Grade B- allowed for Cross Country. Experienced investor ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/18/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX DSCR, XXX% LTV, Fico XXX; Please provided at least XXX compensating factors in order to waive finding. ; Per XXX XXX DSCR guidelines, properties must be verified with XXX website. XXX website shows property as Rural. | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C | D | A<br> D<br> C | D<br> C | D<br> C | D<br> C | D<br> C | D<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000867 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/20/2026 | Resolved | FCOM4247 | Compliance | Missing HUD-XXX Closing Statement |  | ; ; ; ; Document Uploaded. ; Documentation received, XXX to review.; ; ; ; ; ; | 03/18/2026 | Final CD provided ; HUD Settlement Statement not provided. ; | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | D | A<br> D<br> C | D<br> C | D<br> C | D<br> C | D<br> C | D<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000867 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/23/2026 | Waived | FCRE2393 | Credit | Missing an established escrow impound account for taxes and insurance. | Missing established escrow account required by XXX XXX DSCR guidelines. | ; ; ; Please waive for grade B- comp factors XXX DSCR, FICO XXX months reserves; ; | 03/04/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX DSCR, FICO XXX months reserveswa | 03/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C | D | A<br> D<br> C | D<br> C | D<br> C | D<br> C | D<br> C | D<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000869 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000871 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000873 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000875 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/24/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Provide a fully completed, executed Business Narrative. | ; Documentation received, XXX to review.; Document Uploaded. updated Bizz Narr XXX; ; Documentation received, XXX to review.; Document Uploaded. was included with original package. Please find XXX; | 03/06/2026 | Income and Employment Meet Guidelines; Client provided XXX Business Narrative Form. LM Updated.; Business narrative is missing required information. XXX XXX Expanded guidelines requires: Detailed explanation of the business/business profile Where is business located and any associated obligations (ie; mortgages/rent) Number of employees, full time/part time or XXX Does business involve sales of goods or just services? If goods, provide estimated costs of goods and types of goods sold. Any large trucks or materials or equipment Any other details that would assist in the analysis of business to tie to expenses Narrative missing Any large trucks or materials or equipment detail from narrative. | 03/06/2026 | 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<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000877 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/23/2026 | Waived | FCRE2008 | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is XXX as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Fair Rental Value limit of XXX is insufficient. XXX XXX Expanded program vXX requires XXX months of rental loss or XXX | ; ; Please waive for Grade B. Comp factors- DSCR XXX score, CDA XXX.; | 03/09/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR XXX score, CDA XXX | 03/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000877 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2026 | Waived | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XX.XX% exceeds Guideline LTV of XX% Borrower does not meet the criteria of experienced investor for the XXX XXX Expanded DSCR program v XXX. Max LTV is XX% | ; COmp factors- DSCR > XXX% FICO XXX Credit depth of XXX years; Please waive for Grade B- CCM guidelines. ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; | 03/09/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: - DSCR > XXX% FICO XXX Credit depth of XXX years | 03/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000879 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/23/2026 | Waived | finding-4038 | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (XX CFR XXXX.XX(e)(X))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Non QM Loan | ; ; DD to waive for B Grade. Fine to proceed with points and fees over XXX% but not to exceed XXX% with review with XXX team. Comp Factors XX.XX% LTV; XXX FICO; XX/XX/XXXX mos PITIA reserves; XXX per month Residual Income.; Please be advised that this is a NQM and the points and fees can go up to XXX% please review and advise on an exception ; | 03/06/2026 | Waived per client request. Risk accepted for B grade. Client acknowledges the following compensating factors for this purpose: XX.XX% LTV; XXX FICO; XX/XX/XXXX mos PITIA reserves; XXX per month Residual Income. | 03/06/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| 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 XX.XX% is less than Guideline CLTV of XX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000879 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/23/2026 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Missing documentation showing if title report items XXX and XXX subordinated or were deleted. | ; ; Escalated rebuttal to DD for review. PPA documented in file. ; As per our funder XXX, the subordination agreement is not required since it is not a Statement of financing on title, please escalate this one we have it on the DTI calculation and it should be fine. ; Solar contracts on title do not require a subordination agreement, they often stay on title as I never request them to be removed. The only items that I have removed are associated "financing Statements" that are recorded, as those do require a subordination if not removed. ; ; XXX to review.; Per liabilities, the UW added items XXX & XXX to the DTI, so these two are staying on title. Please review and clear the condition; | 03/06/2026 | Property Title Issue Resolved; The lease is a PPA and does not have a claim to the subject land/property, and only the equipment itself is leased. A subordination agreement is not required. Finding is resolved. ; ; As items are staying on title, subordination agreement from Sunrun would be required. Please provide subordination agreement. | 03/06/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| 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 XX.XX% is less than Guideline CLTV of XX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000881 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/23/2026 | 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. (XX CFR XXX(a)(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 is required, but missing from the file. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; Waiver of XXX day pre-closing appraisal is in the file and executed. Please clear finding.; ; | 03/25/2026 | Evidence of appraisal delivery provided.; If the borrower waived their right to receive a copy of the appraisal at least XXX days prior to consummation, the borrower is still required to receive a copy at or prior to consummation. Provide documentation to confirm the borrower received the appraisal timely | 03/25/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.X% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.X% is less than Guideline LTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 250000883 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/23/2026 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing LOE for credit inquiries dated XXX days from the credit report. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/16/2026 | Client provided email stating: It was an inquiry no new debtor was open. It is a clothing store. LM Updated. | 03/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000885 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000887 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000889 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000891 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000893 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines File contains business certificate of formation, however missing business articles of organization. XXX DSCR vXX guidelines require copy of formation documents including Articles of Organization. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/16/2026 | Certificate of formation received. | 03/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| 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 XX.XX% is less than Guideline CLTV of XX%<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000895 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2026 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final XXXX is Incomplete Final XXXX is incomplete, The Final XXXX does not list all of the XXX owned by the borrower and mortgage with XXX Mortgage Corp to be matched to the respective property. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/06/2026 | The Final XXXX is Present; Client provided Updated XXXX. LM Updated. | 03/06/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.X% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.X% is less than Guideline LTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000897 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/24/2026 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing the Housing History for the Mortgage with XXX ending #XXX for the property on XXX. | ; Document Uploaded. Please see XXX the payment history for the XXX property; Documentation received, XXX to review.; | 03/04/2026 | Housing History Meets Guideline Requirements; Client provided Payment History reflecting Funding date XX/XX/XXXX and XXX Payments made on XX/XX/XXXX and XX/XX/XXXX. LM Updated. | 03/04/2026 | 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<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000899 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2026 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Missing required Spousal Consent for community property State for XXX XXX Expanded DSCR vXX program | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/06/2026 | Property Title Issue Resolved; Client provided NoXXXoinder of Spouse - Purchase Money Deed of Trust. LM Updated. | 03/06/2026 | C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000901 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | ; Document Uploaded. | 03/02/2026 | Required Affiliated Business Disclosure Documentation Provided | 03/02/2026 | 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%<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 250000903 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000905 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/25/2026 | 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. (XX CFR XXX(a)(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 is required, but missing from the file. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/06/2026 | Evidence of appraisal delivery provided. | 03/06/2026 | Qualifying DTI below max allowed. \| Borrower has stable job time<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 250000907 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Waived | FCRE8506 | Credit | Application Profile Missing | Missing the required Business Narrative for the XXX XXX Expanded Bank Statement program vXX | ; XXX buys to NDM's guidelines, we don't require this. please clear..; DD to waive for B Grade. Seller Guides do not require business narrative. Reviewed on previous loans with XXX team and fine to proceed to waive. Comp Factors: XX.XX% LTV; XXX FICO; XXX per monthnth residual income; Stable Employment Borrower has XXX years on job; XXX% DTI; | 03/09/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XX.XX% LTV; XXX FICO; XXX per monthnth residual income; Stable Employment Borrower has XXX years on job; XXX% DTI | 03/09/2026 | 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 XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000909 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Waived | FCRE6100 | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% | ; Document Uploaded. DD to waive for B Grade. Approved post close exception XXX.; Post close exception approved for IPC over XXX% - Please note there will be impact to pricing of XXX for exception approved.; XXX to review for exception. Please note there maybe impact to pricing if exception able to be approved.; XXX may consider for exception over XXX% not to exceed XXX%; | 03/05/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: - XXX% DTI; XXX mos PITIA reserves; XXX FICO | 03/05/2026 | 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%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000911 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | 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. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/02/2026 | Evidence of eConsent is provided. | 03/02/2026 | 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 XXX years on job.<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 250000913 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000915 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2026 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing LOE for credit inquiries dated XXX days from the credit report. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/03/2026 | Client provided XXXX with page XXX reflecting LOE for XXX day Credit Inquiries. LM Updated. | 03/03/2026 | 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.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000917 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Waived | 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. (XX CFR XXX(a)(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 is required, but missing from the file. | ; ; ; Please waive- file contains executed Waiver of XXX day pre-closing appraisal delivery; | 03/12/2026 | Client accepts and acknowledges EVX/B finding. Per client request, waive for B grade. | 03/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A | B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250000919 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000921 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XX CFR §XXXX.XX(e)(X)(i) he loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). TILA XXXb 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 tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX without a valid COC. | ; ; Document Uploaded. ; | 03/10/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 03/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| 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 XX% is less than Guideline CLTV of XX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000921 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | ; Document Uploaded. See uploaded doc found in file. If satisfied, please rescind condition.; | 03/02/2026 | Required Affiliated Business Disclosure Documentation Provided | 03/02/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| 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 XX% is less than Guideline CLTV of XX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000923 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000925 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing the Third Party Valuation Product as the CU score exceeds XXX. A Collateral Desktop Analysis Desk Review is required. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 03/06/2026 | Third party valuation product provided within tolerance.; Client provided XXX CDA. LM Updated. | 03/06/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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 XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> C<br> A | B | A<br> C | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> A | A | A | A | A | A |
| 250000925 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/27/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/06/2026 | Required Affiliated Business Disclosure Documentation Provided | 03/06/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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 XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> C<br> A<br> B | B | A<br> C | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> C<br> A | B<br> A | A | A | A | A | A |
| 250000927 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000929 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000931 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Missing Rent Loss Insurance covering a minimum of XXX months for the subject property for the greater of in-place or market rent during disruption. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/04/2026 | Rent Loss Coverage Present; Client provided Updated Insurance XXX. LM Updated. | 03/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000933 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2026 | Waived | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Property is designated as rural per XXX. | ; ; Please remove finding- exception has been approved for rural designation. ; ; ; ; ; ; Post Close Exception has been approved. There is a price hit of XXX bps hit for the exception. ; ; ; ; | 03/14/2026 | Client approved an exception to guidelines to allow for rural designation per XXX. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XX/XX/XXXX DSCR; XXX FICO; No Mortgage Lates.; Please provide compensating factors for exception. ; Cleared by mistake.; Property/Appraisal Meets Guidelines | 03/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000933 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. UCDP CU score is XXX. No Desk Review provided for review. | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 03/06/2026 | Third party valuation product provided within tolerance.; Client provided XXX CDA. LM Updated. | 03/06/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000935 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Waived | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXX Expanded vXX guidelines defer to FNMA GLs regarding the number of months required for asset verification. Two months of bank Statements are required on a purchase transaction. Most recent bank Statement has been provided for both accounts listed on the Final XXXX. Missing the previous month's Statement (XXX) for XXX acct #XXX and XXX acct #XXX. Additionally, the XXX XXX acct is held jointly with a third party with no XXX% access letter provided. | ; XXX reviewed for Exception Waiver. DD to waive for B Grade. Seller obtains XXX month Statement vs XXX months. Discussed with XXX team on previous loans and fine to proceed as long as minimum of XXX month Statement provided to document all accounts used to qualify. Comp Factors: XXX mos PITIA reserves, XXX% DTI; XXX FICO; | 03/04/2026 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX mos PITIA reserves, XXX% DTI; XXX FICO | 03/04/2026 | 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 XXX years on job.<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000937 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2026 | 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: (XX CFR §XXXX.XX(e)(X)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §XXXX.XX(e)(X)(i) on or after the date on which the creditor provides the disclosures required under §XXXX.XX(f)(X)(i). The consumer must receive a revised version of the disclosures required under §XXXX.XX(e)(X)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §XXXX.XX(e)(X)(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. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/04/2026 | Revised LE Receipt date provided; Exception resolved; Revised LE Receipt date provided; Exception resolved | 03/04/2026 | 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.<br> C<br> A | C | A<br> C | C | C | C | C | C<br> A | A | A | A | A | A |
| 250000937 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/02/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Appraisal pictures are black and white. Color pictures are required. | ; Document Uploaded. Color appraisal uploaded from source loan package. DD to review.; Please fill XXX in to what the condition actually is?; | 03/04/2026 | Property/Appraisal Meets Guidelines; Client provided Full Color Appraisal for the subject. LM Updated. | 03/04/2026 | 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.<br> C<br> A | C | A<br> C | C | C | C | C | C<br> A | A | A | A | A | A |
| 250000937 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2026 | Resolved | FCRE1118 | Credit | Borrower 1 Deed of Trust Signature does not match Note | Borrower X Signature does not match Note The borrower's signature on the Note and DOT are inconsistent. The Note was executed as both individually and as Trustee, while the DOT was executed only as Trustee. All loan documents must reflect a consistent signing capacity to ensure proper enforceability of the Note and the security instrument. Corrected and fully aligned signatures are required. | Borrower X Signature does not match Note The borrower's signature on the Note and DOT are inconsistent. The Note was executed as both individually and as Trustee, while the DOT was executed only as Trustee. All loan documents must reflect a consistent signing capacity to ensure proper enforceability of the Note and the security instrument. Corrected and fully aligned signatures are required. | 03/02/2026 | Borrower X Signature matches Note; The title is vested in the name of the living trust, and both trustees signed as members of the trust. The borrower also signed as an individual trust settlor. All signatures meet FNMA requirements. Finding is resolved. | 03/04/2026 | 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.<br> C<br> A | C | A<br> C | C | C | C | C | C<br> A | A | A | A | A | A |
| 250000939 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000941 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2026 | Resolved | FCOM8896 | Compliance | Final CD: Loan Disclosures Assumption incomplete or inaccurate | Final CD reflects loan as assumable, per note and mortgage, loan is a conventional loan and is not assumable. | ; Documentation received, XXX to review.; ; Document Uploaded. ; | 03/16/2026 | PCCD received showing not assumable. | 03/16/2026 | 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<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000941 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The lender's guidelines require verifications of mortgage reflecting no more than XXX day mortgage late in the past XXX months. The loan file contained the credit report and credit report XXX for all of the financed properties except for the property located at XXX, XXX, XXX XXX financed with XXX #XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/16/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not XXX present.; Client provided VOM for XXX. LM Updated. | 03/16/2026 | 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<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000943 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000945 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2026 | Resolved | FCOM8896 | Compliance | Final CD: Loan Disclosures Assumption incomplete or inaccurate | Final CD reflects loan as assumable. Per note and mortgage, loan is not assumable. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/06/2026 | PCCD received | 03/06/2026 | 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%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000945 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The appraisal is missing the requires color photos, including full front, rear, street scene, and interior images. Complete color photos are required to verify property condition, quality, and conformity with appraisal standards, The Lender must provide all original color photos to complete the collateral review-as per GLs. | ; Document Uploaded. Uploaded Color Appraisal - DD to review; What exactly is needed the color appraisal starts on Page XXX of the upload, please be more specific as to what you are requiring,; | 03/04/2026 | Property/Appraisal Meets Guidelines; Client provided Full Color Appraisal for the subject property. LM Updated. | 03/04/2026 | 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%<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000947 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts XXX) Provide Seller Fraud Report with all high alerts cleared. XXX) XXX Fraud Report shows potential ownership issue with XXX XXX Please provide explanation for this address. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/06/2026 | All Fraud Report Alerts have been cleared or None Exist; Client provided LOE reflecting Fraud Alerts Cleared: XXX Input phone number verified as cell phone number on application XXX Phone number verified XXX Applicant is not associated with Foreclosure in last XXX years XXX FEM indicated cleared with appraisal. LM Updated. | 03/06/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000949 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/27/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(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 n estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). TILA XXXb 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 Appraisal Fee. The COC dated XX/XX/XXXX wasn't accepted because "appraiser fee is higher" is not a valid reason. | ; ; Documentation received, XXX to review.; Document Uploaded. Print out of COC reasoning for appraisal increase; ; ; ; | 03/25/2026 | Valid COC received - exception resolved; Valid COC received - exception resolved | 03/25/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.X% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.X% is less than Guideline CLTV of XX% \| 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<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000949 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/26/2026 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Hazard insurance coverage is insufficient and no RCE provided. | ; Page XXX of XXX of final Hazard Insurance policy reflects the replacement cost of the subject property of $XXX - sufficient coverage.; | 03/03/2026 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Client States: Page XXX of XXX of final Hazard Insurance policy reflects the replacement cost of the subject property of $XXX - sufficient coverage. Verified. LM Updated. | 03/03/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.X% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.X% is less than Guideline CLTV of XX% \| 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<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250000951 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Waived | FCRE8201 | Credit | Loan does not conform to program guidelines | Client approved an exception to guidelines to allow for experienced investor designation with  | Client approved an exception to guidelines to allow for experienced investor designation with  | 03/04/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX months of reserves, FICO of XXX mortgage history, and XXX yr experience managing XXX property. | 03/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000953 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing required letter addressing all inquiries within XXX days of closing | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/13/2026 | Client provided LOE for XXX Credit Inquiries. LM Updated. | 03/13/2026 | 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. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000955 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000957 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX - For the listed property, there is no source document available to verify the Tax and Insurance of XXX So Tax and Insurance documents are required. XXX - the tax certificate available shows an amount of $XXX. However, the lender's tax amount is $XXX. We need a tax certificate that matches the lender's XXX  | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 04/01/2026 | Client provided Hazard Policy and Property Tax bill for XXX. Client provided Property Tax bill for XXX and LOE stating: We did not use the XXX to qualify we used a worst-case scenario. I do not see that we have one showing the amount the exact amount the Investor is using but we used a XXX tax amount. We used XXX HOA, XXX HOI and XXX per month tax =$XXX So our DTI XX/XX/XXXX are including the higher tax. LM Updated. | 04/01/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.X% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.X% is less than Guideline CLTV of XX% \| 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 XXX years on job.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000959 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2026 | Resolved | FCRE5778 | Credit | Borrower 1 Credit Report is Expired | Borrower X Credit Report is Expired (Greater than XXX days from the Closing Date). Borrower X Credit Report is expired. The credit report with a date of: (XX/XX/XXXX) cannot be dated more than XXX days prior to the XXX of (XX/XX/XXXX) as per XXX guidelines | ; Documentation received, XXX to review.; Document Uploaded. current XXX; | 03/06/2026 | Borrower X Credit Report is not Expired.; Client provided Undisclosed debt notifications report from XX/XX/XXXX though XX/XX/XXXX. LM Updated. | 03/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000961 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000963 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000965 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2026 | Resolved | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Asset insufficient for Reserves – Final XXXX reflects XXX #XXX – Borrower does not meet required subject property reserves $XXX. (XXX months). | ; Documentation and comment received, XXX to review.; Document Uploaded. Please find XXX final settlement Statement reflecting cash back to borrower in the amount of XXX providing them more than XXX months in reserves: XXX + XXX = $XXX.; | 03/05/2026 | Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Client provided Settlement Statement dated XX/XX/XXXX for the Refinance of XXX Street reflecting the Borrower receiving $XXX. LM Updated. | 03/05/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000965 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/02/2026 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Missing required spousal consent for community property State. | ; Documentation received, XXX to review.; Document Uploaded. Please see XXX quit claim deed which was included in the credit pkg. ; | 03/04/2026 | Property Title Issue Resolved; Client provided Quit Claim Deed removing XXX. LM Updated. | 03/04/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000965 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2026 | 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. Asset insufficient for Reserves – Final XXXX reflects XXX #XXX – Borrower does not meet required subject property reserves $XXX. (XXX months). | ; Documentation and comment received, XXX to review.; Document Uploaded. Please find XXX final settlement Statement reflecting cash back to borrower in the amount of XXX providing them more than XXX months in reserves: XXX + XXX = $XXX.; | 03/04/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Client provided Settlement Statement dated XX/XX/XXXX for the Refinance of XXX reflecting the Borrower receiving $XXX. LM Updated. | 03/04/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000967 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000969 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Resolved | FCOM1544 | Compliance | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure The CD dated XX/XX/XXXX in the file is missing Page XXX | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/03/2026 | TRID: Final Closing Disclosure Provided | 03/03/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 250000971 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2026 | Waived | FCRE2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX Property designated as Short term rental. Per XXX guidelines, XXX% of rental income is used, resulting in a DSCR of XXX which is less then the XXX required per guidelines. | ; Please review using an exception to use the short term rent schedule provided for a B grade. Comp Factors: Experienced Investor; FICO XXX DSCR >XXX after new rent applied.; Document Uploaded. Documentation received, XXX to review.; | 03/10/2026 | Client approved an exception to guidelines to use the short term rent schedule provided for a B grade. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Experienced Investor; FICO XXX DSCR >XXX after new rent applied.; Qualifying DSCR meets Guidelines | 03/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000971 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/02/2026 | Waived | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Subject property is designated as rural per XXX. Not permitted per XXX XXX DSCR guidelines. | ; Exception granted. Please waive for B grade. Comp Factors: Experienced Investor; FICO XXX DSCR >XXX after new rent applied.; Documentation received, XXX to review.; Document Uploaded. ; Property in review with XXX. Exception pricing may apply.; ; Documentation received, XXX to review.; Document Uploaded. ; | 03/10/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Experienced Investor; FICO XXX DSCR >XXX after new rent applied.; XXX to review. Per XXX XXX Guidelines, loans designated as Rural per XXX website are not eligible. Property was verified on XXX website as rural. | 03/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000971 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/02/2026 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Required Spousal Consent Form is not contained in the loan file. | ; ; Document Uploaded. Additional doc uploaded, XXX to review.; Documentation received, XXX to review.; Document Uploaded. ; | 03/05/2026 | Property Title Issue Resolved; Client provided Quit Claim Deed reflecting the Borrower's Sole and Separate Property. LM Updated. | 03/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000971 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/02/2026 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | Missing lease agreement for subject property. Per XXX DSCR guidelines, properties must be leased at time of refinance. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/04/2026 | Property verified to be a short term rental as per the XXX Lease not required on short term rentals. | 03/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000973 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/03/2026 | 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. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/10/2026 | Evidence of eConsent is provided. | 03/10/2026 | 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.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000973 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/02/2026 | Waived | FCRE8506 | Credit | Application Profile Missing | Missing required business narrative for XXX XXX Expanded bank Statement program v XX/XX/XXXX | ; ; Please waive for Grade B- not required for CCM- Comp factors- Score XXX XX% LTV, XXX months reserves, XXX years self XXX; ; | 03/09/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: - XXX XXX% LTV, XXX months reserves, XXX years self XXX | 03/09/2026 | 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.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000975 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000977 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/02/2026 | 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. | ; ; ; ; Documentation received, XXX to review.; Document Uploaded. Please find XXX final settlement Statement reflecting the disbursement date of XX/XX/XXXX.; | 04/20/2026 | 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.; ; Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX.; Client provided Updated Settlement Statement reflecting Disbursement date of XX/XX/XXXX. LM Updated. | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000977 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Rescinded | FCRE1254 | Credit | Property Title Issue | Property Title Issue Missing required Spousal Consent for married borrower in a community property State per XXX XXX Expanded DSCR program vXX | ; ; ; Document Uploaded. DD to review DOT - Signed by Nonborrowing Spouse indicating consent ; This is not required as title is held with both husband and wife - please see deed of trust in the legal page (page XXX).; | 04/20/2026 |  | 04/20/2026 | C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000979 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Resolved | FCOM0362 | Compliance | Final HUD-XXX Document is Missing | Final HUD-XXX Document is Missing |  | 03/04/2026 | Final HUD-XXX Document is not missing or estimated only.; Final HUD-XXX Document is not missing. | 03/04/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 250000981 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/02/2026 | Waived | FCRE1146 | Credit | Title Document is XXX Present | Title Document is incomplete or only XXX present. The title work was performed by a title company which Borrower X works for. Exception granted per exception request form page XXX Compensating factors: DSCR XXX FICO: XXX No mortgage lates, XXX Mos PITIA reserves. | ; ; | 04/20/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Compensating Factors: DSCR XXX FICO: XXX No mortgage lates, XXX Mos PITIA reserves. | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000981 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/02/2026 | Waived | FPRO3678 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Unit #XXX is only on a XXX-month lease per lease agreement page XXX Per LOE page XXX the reason for this is the borrower allowed the prior tenant to break his lease early and the borrower got a new tenant to fill the prior tenant's remaining term, and to align the lease with the borrower's preferred summer lease-end date. Exception granted per exception request form page XXX Compensating Factors: DSCR XXX FICO: XXX No mortgage lates, XXX Mos PITIA reserves. | ; ; | 04/20/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Compensating Factors: DSCR XXX FICO: XXX No mortgage lates, XXX Mos PITIA reserves. | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000981 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/02/2026 | Resolved | FPRO0383 | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. FEMA Emergency Declaration declared on XXX XXX (XXX Severe Winter Storm (EM-XXX-XXX). Appraisal inspection occurred after this disaster, but no comments were made by the appraiser. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 04/20/2026 | FEMA Post Disaster Inspection report was provided. | 04/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000981 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Waived | FCRE2393 | Credit | Missing an established escrow impound account for taxes and insurance. | Missing an established escrow account for taxes and insurance as required per XXX Expanded DSCR vXX guidelines. | ; Document Uploaded. DD to waive for B Grade. Amended Exception XXX to include escrow waiver exception approval.; Please note there is an additional XXX price adjustment for escrow waiver. Post Close Exception Approved.; XXX to review for post close exception. Please note there maybe impact to pricing.; | 03/09/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: - XX/XX/XXXX mos PITIA reserves (reserves enough to cover XXX months of tax and insurance payments). XX/XX/XXXX DSCR; XXX FICO; XX.XX% LTV. | 03/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000983 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000985 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Missing required spousal consent for married borrower in a community property State | ; Documentation received, XXX to review.; Document Uploaded. Spousal consent form is not required. Borrower's spouse, XXX XXX is on Title and Security Instrument. See XXX Deed, Grant Deed, and confirmation email from Title. ; | 03/20/2026 | Property Title Issue Resolved; Client States: Spousal consent form is not required. Borrower's spouse, XXX XXX is on Title and Security Instrument. See XXX Deed, Grant Deed, and confirmation email from Title. | 03/20/2026 | C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250000987 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000989 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/03/2026 | Resolved | FCRE2109 | Credit | Missing Lender Income Calculation Worksheet | Missing required lender bank Statement income worksheet | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; | 03/09/2026 | Client provided Bank Statement income worksheet. LM Updated. | 03/09/2026 | 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 XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250000991 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 03/02/2026 | Waived | FCRE6737 | Credit | Missing Letter of Explanation (Income) | Per XXX Expanded vXX guidelines, If income calculated is significantly higher than income Stated on the XXXX, an explanation from the borrower is required. The calculated income is XXX per month., and the initial XXXX shows XXX per month. | ; Can this be waived for a B grade, please? Comp factors: BORROWER HAS STABLE JOB TIME / Qualifying FICO IS GREATER THAN THE GUIDELINE MINIMUM / QUALIFYING DTI BELOW MAX ALLOWED.; | 03/05/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: - BORROWER HAS STABLE JOB TIME / Qualifying FICO IS GREATER THAN THE GUIDELINE MINIMUM / QUALIFYING DTI BELOW MAX ALLOWED. | 03/05/2026 | 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. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000993 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Completion report from appraiser references title/closing agent has confirmed that the licenses for XXX (XXX-XXX & XXX-XXX) will be included in the closing XXX to the subject property. Missing verification of said licenses. | Documentation received, XXX to review.; Document Uploaded. ; | 03/09/2026 | Property Title Issue Resolved; Bill of Sale provided showing licenses transferred. | 03/12/2026 | 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 CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 250000993 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing verification the following mortgages are current XXX #XXX & #XXX and XXX #XXX & #XXX. The credit report reflects DLA of XX/XX/XXXX for XXX and XXX. XXX #XXX per credit report DLA of XX/XX/XXXX. Subject loan closed XX/XX/XXXX. XXX DSCR vXX guidelines require housing history reflect XXX. | Documentation received, XXX to review.; Document Uploaded. ; | 03/09/2026 | Housing History Meets Guideline Requirements | 03/12/2026 | 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 CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 250000993 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX DSCR vXX guidelines require a secondary valuation support: missing collateral desktop analysis as a CU score is XXX. | Documentation received, XXX to review.; Document Uploaded. ; ; ; | 03/09/2026 | Third party valuation product provided within tolerance. | 03/12/2026 | 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 CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 250000993 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2026 | Resolved | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete Missing XXX rider to the note. Final CD indicates loan has a XXX. | Documentation received, XXX to review.; Document Uploaded. ; ; ; | 03/09/2026 | The Note is Present | 03/12/2026 | 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 CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 250000993 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/02/2026 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Missing Business Purpose Affidavit. | Documentation received, XXX to review.; Document Uploaded. ; | 03/09/2026 | Business Purpose Affidavit/Disclosure Provided | 03/12/2026 | 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 CLTV of XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br> D<br> A<br> C | A | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A<br> D<br> C | A | A | A | A | A | A |
| 250000995 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000997 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Waived | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XX% exceeds Guideline LTV of XX% Maximum LTV allowed for a First Time Investor is XXX% XX% LTV exceeds maximum allowed per XXX XXX Expanded DSCR program v XX/XX/XXXX | ; Please waive - Investor exception granted - Comp factors: FICO XXX / DSCR >XXX / Excellent mortgage history - XXX / >XXX mo reserves in business account; ; Documentation received, XXX to review.; Document Uploaded. Please re-review. Purchase DSCR max XXX% with XXX% =XX% LTV Current Mid is XXX This is invalid reference for DSCR is XXX DSCR expanded not Expanded is for a regular XXX. ; If unable to cure, XXX may consider exception reviewed on case by case basis. Please note there maybe impact to pricing if exception able to be approved.; | 03/16/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX / DSCR >XXX / Excellent mortgage history - XXX / >XXX mo reserves in business account; Per XXX DSCR guidelines, First time investors who intend to self manage are limited to a XXX% LTV. Current lease in file is for a XXX company, but no intentions if continuing to use management company is in file. | 03/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250000999 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Resolved | FVAL8946 | Property | Missing Appraisal | Provide the appraisal including evidence of market rents. | ; Documentation received, XXX to review.; Document Uploaded. ; Only XXXXD in loan package delivered.; | 03/17/2026 | Client provided XXX Appraisal. LM Updated. | 03/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250001001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001003 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/04/2026 | Resolved | FCRE0387 | Credit | Borrower 2 Photo Identification not provided | Borrower X Photo Identification not provided. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/13/2026 | Client provided XXX Patriot Act Information Form. LM Updated.; Photo Identification provided.; Borrower's photo identification is not contained in the loan file. Please provide photo ID or an executed Patriot Act Form. | 03/13/2026 | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 250001003 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/04/2026 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower X Photo Identification not provided. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/13/2026 | Client provided XXX Patriot Act Information Form. LM Updated.; Photo Identification provided.; Borrower's photo identification is not contained in the loan file. Please provide photo ID or an executed Patriot Act Form. | 03/13/2026 | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 250001003 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/04/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception. Provide Required Lender Affiliated Business Disclosure. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/10/2026 | Required Affiliated Business Disclosure Documentation Provided | 03/10/2026 | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br> D<br> A<br> B | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 250001005 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001007 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/05/2026 | Resolved | FCRE8506 | Credit | Application Profile Missing |  | ; Documentation received, XXX to review.; Document Uploaded. ; ; Missing required business narrative for XXX XXX expanded bank Statement program vXX | 03/18/2026 | Business narrative provided. | 03/18/2026 | 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<br> D<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 250001007 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/04/2026 | 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. (XX CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at or prior to the consummation date is required, but missing from the file. A XXX-day waiver was provided. | ; Documentation received, XXX to review.; Document Uploaded. Proof of appraisal and ROV receipt. ; | 03/16/2026 | Evidence of appraisal delivery provided. | 03/16/2026 | 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<br> D<br> A<br> B | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A | A | A | A | A |
| 250001009 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/04/2026 | Resolved | FCRE6737 | Credit | Missing Letter of Explanation (Income) | Per XXX Expanded vXX guidelines, If income calculated is significantly higher than income Stated on the XXXX, an explanation from the borrower is required. The initial XXXX shows XXX per month., and the calculated income is XXX per month. | ; ; Documentation received, XXX to review.; Document Uploaded. XXX is the updated XXXX & XXX with the loan approved at the lower income rate from the initial XXXX. The LOX from the borrower is no longer needed.; ; ; | 03/25/2026 | Client States: XXX is the updated XXXX & XXX with the loan approved at the lower income rate from the initial XXXX. The LOX from the borrower is no longer needed. LM Updated. | 03/25/2026 | 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250001009 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/04/2026 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). There is no replacement cost estimator in the file. | ; ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/25/2026 | Client provided RCE. LM Updated.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 03/25/2026 | 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250001011 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/05/2026 | Resolved | FCOM1654 | Compliance | O. § 7-6a-4 - Tangible Net Benefit Disclosure, or worksheet when applicable, is missing or no evidence it was provided prior to or at consummation or unable to validate tangible net benefit criteria | O.C.G.A. § X-Xa-X - Tangible Net Benefit Disclosure or worksheet is missing or no evidence it was provided prior to or at consummation or unable to validate tangible net benefit criteria. Tangible Net Benefit Disclosure or worksheet is missing or no evidence it was provided prior to or at consummation or unable to validate tangible net benefit criteria. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/12/2026 | Tangible Net Benefit Disclosure or worksheet was provided prior to or at consummation. | 03/12/2026 | 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<br> C<br> A | C | A<br> C | C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | A | A | A | A | A |
| 250001013 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001015 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001017 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/05/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | ; Document Uploaded. | 03/10/2026 | Required Affiliated Business Disclosure Documentation Provided | 03/10/2026 | 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 XX.X% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.X% is less than Guideline CLTV of XX% \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A | B | A<br> B | B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | A | A | A | A | A |
| 250001019 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001021 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2026 | Waived | finding-4038 | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (XX CFR XXXX.XX(e)(X))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Guidelines do not allow for points and fees over XXX% | ; Document Uploaded. Comp factors- XXX% DTI (Max XXX%); XX/XX/XXXX mos PITIA reserves (Min XXX mos PITIA required); XX.XX% LTV (Max XXX% - RT Refi); XXX FICO; No Mortgage Lates; ; Document Uploaded. ; ; Document Uploaded. Exception approved- see XXX. Please waive; This is a DSCR and the point and fees can go up to XXX% Please review and waive the condition; ; | 03/18/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX% DTI (Max XXX%); XX/XX/XXXX mos PITIA reserves (Min XXX mos PITIA required); XX.XX% LTV (Max XXX% - RT Refi); XXX FICO; No Mortgage Lates ; Lock documentation has been uploaded. Exception documentation has not been provided. XXX to confirm if they are waiving in P&F exceeding XXX% of this XXX transaction. | 03/18/2026 | 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<br> C<br> B<br> A | C | B<br> C<br> A | C<br> A | C<br> A | C<br> A | C<br> A | C<br> B<br> A | B<br> A | B<br> A | B<br> A | B<br> A | B |
| 250001023 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001025 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/05/2026 | Waived | FCRE0376 | Credit | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Lender exception in file. Credit report reflect XXX active tradeline. Guidelines require at least XXX open for XXX months and active within the most recent XXX months Compensating factors of XXX) $XXX in assets XXX) $XXX a month in income using asset depletion XXX) DTI of XXX% (max XXX% allowed) XXX) XXX owned free and clear. XXX) LTV XX% (max XXX% allowed) | The lender's minimum tradeline requirements have not been met per guidelines. Lender exception in file. Credit report reflect XXX active tradeline. Guidelines require at least XXX open for XXX months and active within the most recent XXX months Compensating factors of XXX) $XXX in assets XXX) $XXX a month in income using asset depletion XXX) DTI of XXX% (max XXX% allowed) XXX) XXX owned free and clear. XXX) LTV XX% (max XXX% allowed) | 03/06/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX) $XXX in assets XXX) $XXX a month in income using asset depletion XXX) DTI of XXX% (max XXX% allowed) XXX) XXX owned free and clear. XXX) LTV XX% (max XXX% allowed). | 03/06/2026 | 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250001025 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/05/2026 | Waived | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Per guidelines no more than XXX in the last XXX months. Credit report shows XXX Lender exception request in file with compensating factors of XXX) $XXX in assets XXX) $XXX a month in income using asset depletion XXX) DTI of XXX% (max XXX% allowed) XXX) XXX owned free and clear. XXX) LTV XX% (max XXX% allowed) | Housing History Does Not Meet Guideline Requirements Per guidelines no more than XXX in the last XXX months. Credit report shows XXX Lender exception request in file with compensating factors of XXX) $XXX in assets XXX) $XXX a month in income using asset depletion XXX) DTI of XXX% (max XXX% allowed) XXX) XXX owned free and clear. XXX) LTV XX% (max XXX% allowed) | 03/06/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX) $XXX in assets XXX) $XXX a month in income using asset depletion XXX) DTI of XXX% (max XXX% allowed) XXX) XXX owned free and clear. XXX) LTV XX% (max XXX% allowed). | 03/06/2026 | 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250001027 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001029 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001031 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001033 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001035 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Resolved | FCOM1206 | Credit | The Note is Missing | The Note is Missing. Note document is missing | Documentation received, XXX to review.; Document Uploaded. ; ; | 03/13/2026 | The Note is Present.; Client provided Executed Note. LM Updated. | 04/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250001037 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001039 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/16/2026 | Business Purpose Affidavit/Disclosure Provided | 03/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250001039 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | Missing EIN documentation. Property is vesting in a LLC, EIN is required. | ; P XXX of upload is an LOE from the borrower confirming he does not have an EIN and operates using his SSN; which is allowable for a single entity LLC. ; ; | 03/12/2026 |  | 03/12/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250001041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Waived | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XX% exceeds Guideline LTV of XX% Per XXX DSCR vXX, First Time Investors allowed with XXX minimum FICO, max XX% LTV, XXX months reserves. Lender approved exception on XX/XX/XXXX with compensating factors of XXX yr residence, XXX mortgage (XXX mos), FICO : XX/XX/XXXX, DSCR XXX | ; | 03/16/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX yr residence, XXX mortgage (XXX mos), FICO : XX/XX/XXXX, DSCR XXX. | 03/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250001041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Resolved | FCRE2500 | Credit | Missing Personal Guaranty | Missing Personal Guaranty. Per XXX DSCR vXX guidelines, Guarantor: all loans are required to have a full recourse personal guaranty by all material owners. | ; Documentation received, XXX to review.; Document Uploaded. personal guaranty; ; | 03/16/2026 | Personal Guaranty provided. | 03/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250001043 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001045 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001047 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/06/2026 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. The XXX in file is for a XXX month business bank Statement loan with a DTI of XXX%. Provide a XXX for DSCR. | ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/18/2026 | Approval/Underwriting Summary is fully present; Client provided Corrected XXX LM Updated.; Client re-uploaded XXX from file and XXX appears to be the same XXX with comment removed. The provided XXXXs reflect a XXX month bank Statement transaction. The subject transaction is DSCR. | 03/18/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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 XX.XX% is less than Guideline LTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250001047 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | The appraisal indicates the subject is tenant occupied, and XXX is required for refinance transactions of SFRs. The lease agreement was not provided for review. | ; ; Document Uploaded. ; ; | 03/16/2026 | Client provided Lease agreement for the subject property dated XX/XX/XXXX. LM Updated. | 03/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX% \| 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 XX.XX% is less than Guideline LTV of XX%<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250001049 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | FPRO1243 | Property | Second Appraisal is Missing | Second Appraisal Is Required and is Missing. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; | 03/16/2026 | Client provided Xnd Appraisal. LM updated.; Second Appraisal Is provided. | 03/16/2026 | 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%<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 250001049 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | FCOM1262 | Compliance | Right of Rescission is Missing | Right of Rescission is Missing Documentation required to clear exception: Provide executed Right of Rescission for all borrowers and vested non-borrowers. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 03/16/2026 | Right of Rescission is Provided | 03/16/2026 | 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%<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 250001049 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/09/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Missing second appraisal required for loan amounts over XXX | ; ; ; | 03/16/2026 | Property/Appraisal Meets Guidelines | 03/16/2026 | 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%<br> D<br> A | D | A<br> D | D<br> A | D<br> A | D<br> A | D<br> A | D<br> A | A | A | A | A | A |
| 250001051 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | FCRE1241 | Credit | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing | ; | 03/13/2026 | Purchase Contract Doc is not Missing, or is XXX. | 03/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A | A | A | A | A | A |
| 250001053 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001055 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001057 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001059 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001061 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001063 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001065 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001067 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001069 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001071 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing the payment history for the property on XXX | ; Documentation received, XXX to review.; Document Uploaded. please see MERS report on fraud guard in file... no mortgage on this property and per guidelines, DSCR loan only requirements for taxes and insurance are for subject property.; ; | 03/18/2026 | Housing History Meets Guideline Requirements | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A | A | A | A | A | A |
| 250001073 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/11/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. Xst 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. ; Documentation received, XXX to review.; ; ; Please confirm date of e-consent-condition States XX/XX/XXXX | 03/25/2026 | Evidence of eConsent is provided.; Correction - Provide e-consent XX/XX/XXXX or before. | 03/25/2026 | 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.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250001073 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2026 | Waived | FCRE8506 | Credit | Application Profile Missing | Missing required business narrative for XXX XXX Expanded bank Statement program v XX/XX/XXXX | ; Please waive for Grade B- comp factors- XXX DTI- XXX months reserves; | 03/14/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX DTI- XXX months reserves | 03/14/2026 | 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.<br> D<br> B<br> A | B | A<br> D | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> D<br> A | B<br> A | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250001075 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001077 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001079 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001081 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001083 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001085 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2026 | Waived | FPRO0383 | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. Subject Property is in a FEMA disaster area (Public Assistance: Emergency Declaration declared on XXX XXX – XXX Severe Winter Storm EM-XXX-XXX). Inspection occurred after the disaster but no comments were made by the appraiser. | ; | 03/16/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Qualifying FICO IS GREATER THAN THE GUIDELINE MINIMUM, DSCR > XX/XX/XXXX | 03/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A | A | A<br> D | A<br> D | A<br> D | A<br> D | A<br> D | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250001087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001089 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/12/2026 | Waived | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Asset X: XXX Acct# XXX has only XXX month bank Statement in loan file. Lender Notes on XXX: Qualifying with XXX checking account #XXX. This account was just opened up on XX/XX/XXXX so monthly Statements are not available. This account was opened for the sole purpose of receiving the net proceeds from a Cash Out Refinance on XXX which borrower vested the property into the name of the LLC. This is not a true business that is producing income so I'm not treating this as qualifying with business funds. The net proceeds from the refinance were deposited on XX/XX/XXXX. Copy of the CD in file. | ; Please waive for B grade. Comp factors: Fico XXX / DSCR >XXX / Excellent mortgage history ; | 03/18/2026 | Waived per client. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Fico XXX / DSCR >XXX / Excellent mortgage history | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A | A | A<br> C | A<br> C | A<br> C | A<br> C | A<br> C | A<br> B | A<br> B | A<br> B | A<br> B | A<br> B | A |
| 250001091 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001093 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001095 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001097 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001099 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001103 |  |  | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/23/2025 | Cleared | XXXXX | No Findings | No Findings | The loan meets all applicable guidelines. | XX/XX/XXXX: Clear |  | XXX: Clear | 9/23/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 250001101 |  |  | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/5/2025 | Acknowledged | 18358077337 | Credit | Entity Documentation - Missing or Defective | Emily XXX (XXX% owner) of XXX not guaranteeing the loan. All loans should have executed personal guarantees from XXX% of the entity's ownership. | XX/XX/XXXX: XX/XX/XXXX Please waive with compensating factors XXX FICO XX/XX/XXXX FICO XXX mortgages XXX yr PPP |  | XXX: Waived | 11/14/2025 | FICO XXX x XXX x XXX XX/XX/XXXX DSCR<br> C<br> B<br> A | N/A | N/A<br> C | N/A<br> C | N/A<br> C | N/A<br> C | N/A<br> C | N/A<br> B | N/A<br> B | N/A<br> B | N/A<br> B | N/A<br> B | N/A |

---

## Exhibit 99.17

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** |
| 250000001 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000003 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000005 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000007 |  |  | $XXXXXX<br> D | B | B | B | B | B<br> C<br> D<br> A | A | A | A | A | A |
| 250000009 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000011 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000013 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000015 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000017 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000019 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000021 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000023 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000025 |  |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000027 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A<br> B |
| 250000029 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A<br> B |
| 250000031 |  |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000033 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000035 | XXXXX |  | $XXXXXX<br> C | B | B | B | B | B<br> A<br> C | B | B | B | B | B<br> A |
| 250000037 | XXXXX |  | $XXXXXX<br> C | C | C | C | C | C<br> A | A | A | A | A | A |
| 250000039 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000041 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000043 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250000045 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000047 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000049 | XXXXX |  | $XXXXXX<br> C | C | C | C | C | C<br> A<br> B | A | A | A | A | A<br> B |
| 250000051 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A |
| 250000053 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000055 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000057 |  |  | $XXXXXX<br> B | C | C | C | C | C<br> A | A | A | A | A | A |
| 250000059 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000061 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000063 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000065 |  |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000067 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000069 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000071 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 250000073 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000075 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000077 | XXXXX |  | $XXXXXX<br> C | B | B | B | B | B<br> A<br> C | A | A | A | A | A<br> B |
| 250000079 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000081 |  |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000083 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000085 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000087 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000089 |  |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000091 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000093 |  |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000095 |  |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A |
| 250000097 |  |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000099 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000101 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A |
| 250000103 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000105 |  |  | $XXXXXX<br> A | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000107 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250000109 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000111 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000113 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250000115 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000117 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000119 | XXXXX |  | $XXXXXX<br> D | C | C | C | C | C<br> A<br> D | A | A | A | A | A |
| 250000121 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000123 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000125 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000127 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000129 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000131 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000133 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000135 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000137 |  |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000139 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000141 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000143 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000145 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000147 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000149 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000151 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A |
| 250000153 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 250000155 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000157 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000159 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250000161 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000163 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000165 |  |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000167 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000169 |  |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000171 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000173 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000175 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000177 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000179 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000181 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 250000183 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250000185 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000187 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000189 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000191 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000193 | XXXXX |  | $XXXXXX<br> D | D | D | D | D | D<br> A<br> B | A | A | A | A | A<br> B |
| 250000195 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000197 |  |  | $XXXXXX<br> D | C | C | C | C | C<br> A<br> D | A | A | A | A | A |
| 250000199 |  |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000201 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250000203 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000205 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000207 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000209 |  |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000211 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000213 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000215 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000217 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000219 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A<br> B |
| 250000221 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000223 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000225 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000227 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000229 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000231 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250000233 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000235 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 250000237 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | B | B | B | B | B<br> A |
| 250000239 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000241 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000243 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000245 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000247 |  |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000249 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 250000251 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000253 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000255 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000257 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000259 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000261 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | B | B | B | B | B<br> A |
| 250000263 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000265 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250000267 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000269 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250000271 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 250000273 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 250000275 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000277 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000279 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | B | B | B | B | B<br> A |
| 250000281 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000283 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000285 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000287 | XXXXX |  | $XXXXXX<br> C | C | C | C | C | C<br> A<br> B | B | B | B | B | B<br> A |
| 250000289 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250000291 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000293 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000295 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000297 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000299 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000301 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000303 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000305 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000307 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000309 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000311 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000313 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000315 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D<br> B | A | A | A | A | A<br> B |
| 250000317 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250000319 | XXXXX |  | $XXXXXX<br> D | C | C | C | C | C<br> A<br> D | B | B | B | B | B<br> A |
| 250000321 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000323 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> B<br> C | A | A | A | A | A |
| 250000325 | XXXXX |  | $XXXXXX<br> D | C | C | C | C | C<br> A<br> D | A | A | A | A | A |
| 250000327 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 250000329 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 250000331 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A<br> B |
| 250000333 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000335 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000337 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000339 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000341 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> C<br> D | A | A | A | A | A<br> B |
| 250000343 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000345 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250000347 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000349 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000351 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000353 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000355 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250000357 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000359 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000361 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000363 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | B | B | B | B | B<br> A |
| 250000365 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000367 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A<br> B |
| 250000369 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 250000371 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000373 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000375 | XXXXX |  | $XXXXXX<br> D | D | D | D | D | D<br> A<br> B | A | A | A | A | A<br> B |
| 250000377 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000379 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000381 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000383 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000385 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A |
| 250000387 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 250000389 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000391 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A |
| 250000393 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000395 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000397 | XXXXX |  | $XXXXXX<br> B | C | C | C | C | C<br> A | A | A | A | A | A |
| 250000399 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000401 | XXXXX |  | $XXXXXX<br> B | B | B | B | B | B<br> A | A | A | A | A | A |
| 250000403 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000405 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000407 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 250000409 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250000411 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000413 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250000415 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000417 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000419 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000421 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000423 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250000425 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000427 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 250000429 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000431 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000433 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000435 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> C<br> A | A | A | A | A | A |
| 250000437 | XXXXX |  | $XXXXXX<br> D | C | C | C | C | C<br> A<br> D<br> B | A | A | A | A | A<br> B |
| 250000439 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A |
| 250000441 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 250000443 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000445 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000447 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000449 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 250000451 | XXXXX |  | $XXXXXX<br> D | D | D | D | D | D<br> A | A | A | A | A | A |
| 250000453 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 250000455 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000457 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000459 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000461 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000463 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000465 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000467 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000469 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000471 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000473 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000475 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000477 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 250000479 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000481 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000483 | XXXXX |  | $XXXXXX<br> C | C | C | C | C | C<br> A | A | A | A | A | A |
| 250000485 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000487 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000489 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000491 | XXXXX |  | $XXXXXX<br> B | A | A | A | A | A<br> B | A | A | A | A | A |
| 250000493 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | B | B | B | B | B<br> A |
| 250000495 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000497 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 250000499 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000501 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000503 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000505 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 250000507 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000509 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000511 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 250000513 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000515 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000517 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000519 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000521 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000523 | XXXXX |  | $XXXXXX<br> C | C | C | C | C | C<br> A | A | A | A | A | A |
| 250000525 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000527 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000529 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A |
| 250000531 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000533 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000535 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000537 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000539 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250000541 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000543 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000545 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A |
| 250000547 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250000549 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000551 | XXXXX |  | $XXXXXX<br> C | C | C | C | C | C<br> A<br> B | A | A | A | A | A<br> B |
| 250000553 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000555 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000557 | XXXXX |  | $XXXXXX<br> D | C | C | C | C | C<br> A<br> D | A | A | A | A | A |
| 250000559 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000561 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000563 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000565 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> C<br> D<br> A | A | A | A | A | A |
| 250000567 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A<br> B |
| 250000569 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 250000571 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000573 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000575 | XXXXX |  | $XXXXXX<br> D | C | C | C | C | C<br> A<br> D | B | B | B | B | B<br> A |
| 250000577 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000579 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 250000581 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D<br> B | A | A | A | A | A<br> B |
| 250000583 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D<br> B | A | A | A | A | A<br> B |
| 250000585 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000587 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000589 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000591 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 250000593 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000595 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000597 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000599 | XXXXX |  | $XXXXXX<br> B | B | B | B | B | B<br> A | A | A | A | A | A |
| 250000601 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250000603 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000605 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000607 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250000609 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 250000611 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000613 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000615 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000617 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000619 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000621 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000623 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250000625 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000627 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000629 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000631 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000633 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000635 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000637 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000639 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000641 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000643 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A |
| 250000645 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000647 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A<br> B |
| 250000649 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000651 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000653 | XXXXX |  | $XXXXXX<br> C | C | C | C | C | C<br> A | B | B | B | B | B<br> A |
| 250000655 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000657 | XXXXX |  | $XXXXXX<br> C | B | B | B | B | B<br> A<br> C | A | A | A | A | A |
| 250000659 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000661 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000663 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000665 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 250000667 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000669 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000671 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 250000673 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250000675 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000677 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000679 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000681 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000683 | XXXXX |  | $XXXXXX<br> B | C | C | C | C | C<br> A | A | A | A | A | A |
| 250000685 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000687 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000689 | XXXXX |  | $XXXXXX<br> B | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000691 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000693 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A<br> B |
| 250000695 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000697 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000699 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000701 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000703 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000705 | XXXXX |  | $XXXXXX<br> D | C | C | C | C | C<br> A<br> D<br> B | B | B | B | B | B<br> A |
| 250000707 | XXXXX |  | $XXXXXX<br> B | C | C | C | C | C<br> A | A | A | A | A | A |
| 250000709 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000711 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 250000713 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000715 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000717 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D<br> B | A | A | A | A | A<br> B |
| 250000719 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000721 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000723 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000725 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 250000727 | XXXXX |  | $XXXXXX<br> C | C | C | C | C | C<br> A | B | B | B | B | B<br> A |
| 250000729 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000731 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000733 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000735 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000737 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000739 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000741 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | B | B | B | B | B<br> A |
| 250000743 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A |
| 250000745 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000747 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000749 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | B | B | B | B | B<br> A |
| 250000751 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000753 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 250000755 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000757 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000759 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000761 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000763 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000765 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000767 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A<br> B |
| 250000769 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000771 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000773 | XXXXX |  | $XXXXXX<br> D | C | C | C | C | C<br> A<br> D<br> B | A | A | A | A | A<br> B |
| 250000775 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000777 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000779 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000781 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000783 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000785 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000787 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000789 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000791 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000793 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000795 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000797 | XXXXX |  | $XXXXXX<br> D | C | C | C | C | C<br> A<br> D<br> B | A | A | A | A | A<br> B |
| 250000799 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000801 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000803 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 250000805 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000807 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250000809 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000811 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250000813 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000815 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000817 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A<br> B |
| 250000819 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000821 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000823 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000825 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D<br> B | A | A | A | A | A<br> B |
| 250000827 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000829 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A |
| 250000831 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000833 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000835 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000837 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D<br> B | A | A | A | A | A<br> B |
| 250000839 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000841 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000843 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000845 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000847 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000849 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000851 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000853 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000855 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000857 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000859 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A<br> B |
| 250000861 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000863 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000865 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000867 | XXXXX |  | $XXXXXX<br> D | D | D | D | D | D<br> C<br> B | A | A | A | A | A<br> B |
| 250000869 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000871 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000873 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000875 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000877 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250000879 | XXXXX |  | $XXXXXX<br> C | C | C | C | C | C<br> A | B | B | B | B | B<br> A |
| 250000881 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 250000883 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000885 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000887 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000889 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000891 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000893 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000895 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000897 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000899 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000901 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 250000903 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000905 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 250000907 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000909 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250000911 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 250000913 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000915 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000917 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | B | B | B | B | B<br> A |
| 250000919 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000921 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 250000923 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000925 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> C<br> A | A | A | A | A | A |
| 250000927 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000929 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000931 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000933 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> C | A | A | A | A | A<br> B |
| 250000935 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250000937 | XXXXX |  | $XXXXXX<br> C | C | C | C | C | C<br> A | A | A | A | A | A |
| 250000939 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000941 | XXXXX |  | $XXXXXX<br> C | C | C | C | C | C<br> A | A | A | A | A | A |
| 250000943 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000945 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 250000947 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000949 | XXXXX |  | $XXXXXX<br> C | C | C | C | C | C<br> A | A | A | A | A | A |
| 250000951 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250000953 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000955 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000957 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000959 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000961 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000963 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000965 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000967 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000969 | XXXXX |  | $XXXXXX<br> A | D | D | D | D | D<br> A | A | A | A | A | A |
| 250000971 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D<br> B | A | A | A | A | A<br> B |
| 250000973 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A<br> B |
| 250000975 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000977 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000979 | XXXXX |  | $XXXXXX<br> A | D | D | D | D | D<br> A | A | A | A | A | A |
| 250000981 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000983 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000985 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250000987 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000989 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250000991 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250000993 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> C<br> D | A | A | A | A | A |
| 250000995 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250000997 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250000999 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> D | A | A | A | A | A |
| 250001001 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001003 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A |
| 250001005 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001007 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A |
| 250001009 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250001011 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | A | A | A | A | A |
| 250001013 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001015 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001017 | XXXXX |  | $XXXXXX<br> A | B | B | B | B | B<br> A | A | A | A | A | A |
| 250001019 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001021 | XXXXX |  | $XXXXXX<br> A | C | C | C | C | C<br> A | B | B | B | B | B<br> A |
| 250001023 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001025 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250001027 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001029 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001031 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001033 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001035 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250001037 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001039 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250001041 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D<br> B | A | A | A | A | A<br> B |
| 250001043 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001045 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001047 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250001049 | XXXXX |  | $XXXXXX<br> A | D | D | D | D | D<br> A | A | A | A | A | A |
| 250001051 | XXXXX |  | $XXXXXX<br> D | A | A | A | A | A<br> D | A | A | A | A | A |
| 250001053 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001055 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001057 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001059 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001061 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001063 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001065 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001067 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001069 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001071 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C | A | A | A | A | A |
| 250001073 | XXXXX |  | $XXXXXX<br> D | B | B | B | B | B<br> A<br> D | A | A | A | A | A<br> B |
| 250001075 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001077 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001079 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001081 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001083 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001085 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A<br> D | A | A | A | A | A<br> B |
| 250001087 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001089 | XXXXX |  | $XXXXXX<br> C | A | A | A | A | A<br> C<br> B | A | A | A | A | A<br> B |
| 250001091 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001093 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001095 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001097 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001099 | XXXXX |  | $XXXXXX<br> A | A | A | A | A | A | A | A | A | A | A |
| 250001101 | XXXXX |  | $XXXXXX<br> C | N/A | N/A | N/A | N/A | N/A<br> C<br> B | N/A | N/A | N/A | N/A | N/A<br> B |
| 250001103 | XXXXX |  | $XXXXXX<br> A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.18

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 250000001 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  | $XXX | XXX | .0615 | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000003 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 250000005 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 250000007 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 250000009 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000011 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 250000013 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000015 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0074 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0074 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 250000017 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000019 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000021 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 250000023 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000025 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000027 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 250000029 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 250000031 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 250000033 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 250000035 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 250000037 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000039 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 250000041 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000043 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 250000045 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 250000047 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000049 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0279 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0279 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 250000051 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 250000053 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000055 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 250000057 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 250000059 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000061 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 250000063 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000065 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000067 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 250000069 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000071 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000073 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 250000075 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000077 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 250000079 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000081 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 250000083 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000085 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 250000087 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 250000089 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 250000091 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 250000093 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 250000095 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 250000097 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000099 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 250000101 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 250000103 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 250000105 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 250000107 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000109 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 250000111 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000113 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 250000115 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 250000117 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000119 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 250000121 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000123 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.1 |  |
| 250000125 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000127 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 250000129 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000131 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 250000133 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000135 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 250000137 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000139 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 250000141 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000143 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 250000145 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 250000147 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 250000149 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  | $XXX | XXX | .0566 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 |  |
| 250000151 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 250000153 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 250000155 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000157 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 |  |
| 250000159 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000161 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000163 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000165 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 250000167 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000169 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000171 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000173 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 250000175 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000177 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 250000179 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  | $XXX | XXX | -.0064 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000181 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0833 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0833 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 250000183 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0909 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0909 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 250000185 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | -.0476 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0476 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000187 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 250000189 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 250000191 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 250000193 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000195 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0733 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0733 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 250000197 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.8 |  |
| 250000199 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000201 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000203 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable |  |  |
| 250000205 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 250000207 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  | $XXX | XXX | .0017 | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000209 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000211 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 250000213 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000215 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000217 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000219 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  | $XXX | XXX | .0250 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000221 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 250000223 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000225 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000227 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  | $XXX | XXX | .0035 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |
| 250000229 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000231 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000233 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 250000235 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 250000237 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000239 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 250000241 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 250000243 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.2 |  |
| 250000245 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000247 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 250000249 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 250000251 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 250000253 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000255 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000257 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 250000259 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 250000261 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 250000263 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 250000265 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000267 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000269 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 999 |  |
| 250000271 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 250000273 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000275 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 250000277 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000279 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 250000281 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 250000283 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 250000285 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000287 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 250000289 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000291 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 250000293 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000295 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  | $XXX | XXX | .0050 | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000297 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000299 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0039 | 1004 URAR | XXX | XXX | -.0751 | Desk Review | $XXX | XXX | -.0039 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | XXX | -.0751 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000301 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000303 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000305 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 250000307 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 250000309 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000311 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |  |
| 250000313 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 250000315 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000317 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000319 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 250000321 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000323 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000325 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable |  |  |
| 250000327 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 250000329 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.9 |  |
| 250000331 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 250000333 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |  |
| 250000335 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 250000337 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000339 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000341 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 250000343 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 250000345 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000347 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000349 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000351 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000353 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 250000355 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000357 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 250000359 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000361 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000363 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 250000365 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.2 |  |
| 250000367 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 250000369 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 250000371 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000373 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  | $XXX | XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 250000375 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000377 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 250000379 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | -.0185 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0185 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000381 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000383 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 250000385 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 250000387 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000389 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000391 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000393 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 250000395 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000397 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 250000399 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000401 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000403 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 250000405 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 250000407 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000409 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 250000411 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000413 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000415 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000417 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000419 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000421 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |  |
| 250000423 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 250000425 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 250000427 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000429 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 250000431 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 250000433 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000435 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 250000437 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 250000439 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 250000441 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 250000443 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000445 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000447 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 250000449 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 250000451 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |  |
| 250000453 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000455 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .000 | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 250000457 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000459 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000461 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0154 | 1004 URAR |  |  |  |  | $XXX | XXX | .0154 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 250000463 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 250000465 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000467 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000469 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 250000471 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 250000473 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 250000475 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000477 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 250000479 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000481 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000483 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000485 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000487 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0213 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0213 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 250000489 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 250000491 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 250000493 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 250000495 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000497 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000499 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 250000501 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 250000503 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0561 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0561 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 250000505 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 250000507 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000509 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000511 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 250000513 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 250000515 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 250000517 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| 250000519 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |  |
| 250000521 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.8 |  |
| 250000523 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000525 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000527 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000529 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000531 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 250000533 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000535 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 250000537 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000539 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000541 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000543 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000545 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000547 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 250000549 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 250000551 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 250000553 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 250000555 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000557 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000559 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000561 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 250000563 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 250000565 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 250000567 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 250000569 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 250000571 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000573 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 250000575 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 250000577 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000579 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000581 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000583 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000585 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000587 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000589 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000591 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 250000593 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 250000595 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 250000597 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 250000599 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 250000601 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 250000603 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000605 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000607 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .1258 | 1025 Small Residential Income Report |  |  |  |  | $XXX | XXX | .1258 | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | $XXX | XXX | .1258 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000609 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000611 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 250000613 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 250000615 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000617 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 250000619 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000621 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 250000623 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 250000625 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000627 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000629 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000631 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000633 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 250000635 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 250000637 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000639 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000641 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 250000643 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 250000645 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 250000647 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 250000649 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 250000651 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 250000653 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000655 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000657 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000659 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 1.81% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.9 |  |
| 250000661 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000663 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000665 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 250000667 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 250000669 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 250000671 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000673 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000675 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 250000677 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000679 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000681 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 250000683 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000685 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000687 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000689 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 250000691 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 250000693 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 250000695 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000697 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 250000699 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000701 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  | $XXX | XXX | .0342 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 250000703 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | -.0769 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0769 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000705 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000707 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000709 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000711 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 250000713 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 250000715 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 250000717 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000719 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000721 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000723 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 1 |  |
| 250000725 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  | $XXX | XXX | .0152 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 250000727 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 250000729 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000731 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000733 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000735 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 250000737 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000739 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000741 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000743 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 250000745 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 250000747 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 250000749 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.8 |  |
| 250000751 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000753 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000755 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000757 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000759 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000761 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000763 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000765 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 250000767 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 250000769 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000771 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000773 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000775 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000777 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000779 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  | $XXX | XXX | .0714 | XX/XX/XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 250000781 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000783 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 250000785 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000787 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| 250000789 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  | $XXX | XXX | .0167 | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000791 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000793 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.1 |  |
| 250000795 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 250000797 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 250000799 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 250000801 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 250000803 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000805 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 250000807 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 250000809 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000811 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000813 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000815 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 250000817 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 250000819 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review | XXX | XXX | -.0965 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0965 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 250000821 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 250000823 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000825 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000827 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| 250000829 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 250000831 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 250000833 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0180 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0180 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4 |  |
| 250000835 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 250000837 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | -.0769 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0769 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000839 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 250000841 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000843 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000845 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |
| 250000847 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000849 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 250000851 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 250000853 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000855 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 250000857 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 250000859 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0100 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0100 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000861 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 250000863 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0138 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0138 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000865 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000867 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 250000869 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000871 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000873 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000875 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  | $XXX | XXX | .0345 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 250000877 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 250000879 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 250000881 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 250000883 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000885 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 250000887 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000889 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 250000891 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 250000893 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 250000895 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 250000897 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 250000899 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000901 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 250000903 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 250000905 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 250000907 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 250000909 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 250000911 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  | $XXX | XXX | .0057 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 250000913 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000915 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 250000917 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 250000919 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable |  |  |
| 250000921 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000923 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 250000925 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 250000927 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 250000929 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000931 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000933 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 250000935 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  | $XXX | XXX | .0037 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 250000937 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  | $XXX | XXX | .0075 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 |  |
| 250000939 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000941 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000943 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 250000945 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 250000947 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 250000949 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 250000951 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000953 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 250000955 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250000957 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 250000959 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000961 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 250000963 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 250000965 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 250000967 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 250000969 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 250000971 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 250000973 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 250000975 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 250000977 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |  |
| 250000979 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000981 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000983 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 250000985 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000987 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000989 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250000991 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000993 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 250000995 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250000997 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250000999 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001001 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 250001003 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 250001005 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250001007 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  | $XXX | XXX | -.0085 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| 250001009 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 250001011 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  | $XXX | XXX | .0271 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250001013 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250001015 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250001017 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 250001019 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250001021 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 250001023 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 250001025 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 250001027 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 250001029 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250001031 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250001033 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 250001035 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250001037 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 250001039 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250001041 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 250001043 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 250001045 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 250001047 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 250001049 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  | $XXX | XXX | -.0105 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| 250001051 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0625 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0625 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 250001053 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250001055 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 250001057 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 250001059 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0323 | 1004 URAR |  |  |  |  | $XXX | XXX | .0323 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250001061 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250001063 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.6 |  |
| 250001065 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 250001067 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 250001069 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250001071 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 250001073 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 250001075 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250001077 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 250001079 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |
| 250001081 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250001083 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250001085 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 250001087 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250001089 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250001091 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250001093 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250001095 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 250001097 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250001099 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 250001101 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 250001103 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |

---

## Exhibit 99.19

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan Number** | **ULI** | **Settlement Date** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **UW Guideline Matrix Name** | **UW Guideline Matrix Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Application Date** | **Note Date** | **Maturity Date** | **Loan Status** | **Loan Type** | **Product Type** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification level** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 3 Original FICO Equifax** | **Borrower 3 Original FICO Experian** | **Borrower 3 Original FICO Transunion** | **Borrower 4 Original FICO Equifax** | **Borrower 4 Original FICO Experian** | **Borrower 4 Original FICO Transunion** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Documentation Type** | **Delayed Financing Flag** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Business & Personal Bank Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Months of Profit and Loss Statements** | **CPA Letter Flag** | **Expense letter Flag** | **Number of Months CPA Verified Income** | **WVOE Flag** | **Number of Months WVOE** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **1- year Tax Return Flag** | **Years of Tax Transcripts** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Front HTI Ratio** | **Back DTI Ratio** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Liquid Assets** | **Total Assets** | **Reserves** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **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)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing Fully Indexed** | **Qualifying Fully Indexed P&I** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Silent Second Lien Flag** | **Second Lien Amount** | **Lease in Place 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **Approved DSCR** | **Investment/No Ratio DSCR** | **LLC Flag** | **LLC Name** | **Short Term Rental** | **Declining Market** | **Guarantor** | **Units** | **Borrower SSN** | **Co Borrower SSN** | **Tax Payment** | **Residual Income** | **Times 30 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 60 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 90 Days DQ on 12 Prior Months of Current Mortgage History** | **Condo Project Classification** | **Default Note Rate Provision** | **MERS Number** |
| 250000001 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.10 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000003 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.65 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000005 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000007 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000009 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.01 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000011 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000013 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | QM Points and Fees Exceeded | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000015 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.96 |  | XXX |  | Yes | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000017 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000019 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | No | No | XXX | No |  | 2 | 0 | No | 2 | 2 | 2 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000021 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000023 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.53 |  | XXX |  | Yes | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000025 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.49 |  | XXX |  | Yes | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000027 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Written Verification of Employment | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000029 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Written Verification of Employment | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000031 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000033 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.69 |  | XXX |  | Yes | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000035 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Written Verification of Employment | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000037 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 10.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.69 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000039 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.85 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000041 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000043 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.33 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000045 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.76 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000047 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.98 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000049 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000051 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Total Asset Calculation | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000053 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000055 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | 1.52 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000057 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000059 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | Yes | XXX | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000061 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  | XXX | XXX | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000063 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.54 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000065 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000067 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.92 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000069 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Total Asset Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000071 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  | XXX | XXX | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000073 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | Yes | No | XXX | No |  | 0 | 2 | No | 1 | 1 | 2 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000075 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000077 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000079 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.89 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000081 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 40 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.66 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000083 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  | XXX |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000085 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000087 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000089 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 1 | 1 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000091 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000093 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000095 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.57 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000097 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000099 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.10 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000101 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000103 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | Yes | XXX | 0 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000105 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.67 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000107 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.01 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000109 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000111 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 10.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.41 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000113 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.85 |  | XXX |  | Yes | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000115 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.18 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000117 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.68 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000119 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000121 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000123 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000125 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.36 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000127 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | Yes | XXX | 0 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000129 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.37 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000131 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.02 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000133 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 2.15 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000135 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000137 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000139 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000141 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.03 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000143 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000145 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.96 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000147 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.04 |  | XXX |  | Yes | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000149 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.56 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000151 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000153 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000155 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000157 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000159 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 1 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000161 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.26 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000163 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Retirement Income Doc Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 1 | 1 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000165 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000167 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 0 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Community does not Participate | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000169 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.07 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000171 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000173 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.05 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000175 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.07 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000177 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000179 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.32 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000181 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Loan Term Exceeds 30 Years | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  | XXX | XXX | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000183 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.13 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 2 | 3 | 1 |  | XXX | XXX |
| 250000185 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000187 |  | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000189 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 40 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.23 |  | XXX |  | Yes | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000191 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 40 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Community does not Participate | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.62 |  | XXX |  | Yes | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000193 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 2.76 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX |  |
| 250000195 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.42 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000197 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000199 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.04 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000201 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.98 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000203 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.12 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000205 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.11 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000207 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No |  | XXX | 1.80 |  | XXX |  | Yes | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000209 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000211 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.00 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000213 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000215 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  | XXX |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000217 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.90 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000219 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Interest Only | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000221 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000223 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Interest Only | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000225 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.04 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000227 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Loan Term Exceeds 30 Years | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed IO | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000229 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.14 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000231 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | XXX |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | XXX | XXX | 1.28 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000233 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000235 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000237 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000239 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000241 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000243 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 1 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000245 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000247 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.60 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000249 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX | XXX |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000251 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000253 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.01 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000255 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000257 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000259 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000261 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Interest Only | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000263 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.55 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000265 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000267 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000269 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.79 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000271 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Interest Only | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000273 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000275 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.13 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000277 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000279 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | QM Points and Fees Exceeded | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000281 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000283 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000285 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.77 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000287 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX |  |
| 250000289 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 1 | 1 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000291 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000293 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000295 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 2 | 2 | 2 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000297 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000299 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000301 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000303 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000305 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000307 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000309 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Interest Only | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000311 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000313 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.00 |  | XXX |  | Yes | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000315 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX | XXX | XXXXX | XXX |  | XXXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.73 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000317 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.32 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000319 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000321 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000323 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000325 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.11 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000327 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000329 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000331 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | XXX |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000333 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000335 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000337 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.75 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000339 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.05 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000341 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 1 | 0 | No | 1 | 1 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000343 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000345 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.20 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000347 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000349 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.54 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000351 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.19 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX |  |
| 250000353 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000355 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.30 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 1 | 0 | 0 |  | XXX | XXX |
| 250000357 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.77 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000359 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.31 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000361 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.36 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000363 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Loan Term Exceeds 30 Years | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Total Asset Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 1 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000365 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000367 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000369 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000371 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 20 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000373 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000375 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.22 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000377 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.65 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000379 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.39 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000381 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.37 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000383 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000385 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX |  | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000387 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  | XXX | XXX | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000389 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.13 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000391 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000393 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.20 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000395 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.18 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000397 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Interest Only | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000399 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 10.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.38 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000401 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000403 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 10.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.00 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000405 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.81 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000407 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.32 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000409 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000411 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Total Asset Calculation | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 1 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000413 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.58 |  | XXX |  | Yes | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000415 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000417 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.13 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 1 | 0 | 0 |  | XXX | XXX |
| 250000419 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 10.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.74 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000421 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000423 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000425 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.75 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000427 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000429 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000431 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000433 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000435 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000437 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX |  | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000439 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000441 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000443 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000445 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000447 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.01 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000449 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000451 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000453 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 2 | 2 | 2 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 1 | 0 | 0 | XXX | XXX | XXX |
| 250000455 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000457 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.52 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000459 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.92 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000461 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.00 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000463 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | XXX |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.47 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000465 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX |  | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.15 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000467 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.04 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000469 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.26 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000471 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.29 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000473 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000475 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000477 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000479 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.07 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000481 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.14 |  | XXX |  | Yes | XXX |  | XXX | XXX |  | $XXX | $XXX | 1 | 0 | 0 |  | XXX | XXX |
| 250000483 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000485 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.61 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000487 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 2.62 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000489 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000491 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000493 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000495 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000497 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000499 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000501 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.96 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000503 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000505 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000507 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 10.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.02 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000509 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000511 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000513 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 1 | 0 | 0 |  | XXX | XXX |
| 250000515 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000517 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000519 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.10 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000521 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.16 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000523 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000525 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.48 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000527 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.59 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000529 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000531 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000533 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000535 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.43 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000537 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.23 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000539 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.46 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000541 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.12 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000543 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.26 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000545 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000547 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000549 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000551 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Interest Only | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000553 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.21 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000555 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.05 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000557 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000559 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000561 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  | XXX |  |  | No | Yes | XXX | Yes | XXX | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX | XXX |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000563 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.91 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000565 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000567 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000569 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Interest Only | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 10/1 or 10/6 Mos ARM | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000571 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 10.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000573 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.08 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000575 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | QM Points and Fees Exceeded | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | Yes | XXX | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000577 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 0 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000579 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000581 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.18 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000583 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX |  | 1.18 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000585 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.16 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000587 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.18 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000589 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.84 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000591 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000593 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000595 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000597 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.12 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000599 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000601 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Interest Only | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000603 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.10 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000605 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.10 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000607 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.87 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000609 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Total Asset Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000611 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.62 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000613 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000615 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000617 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000619 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000621 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.01 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000623 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 0 | 0 | 1 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000625 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Not Stated Not Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.44 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000627 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.45 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000629 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.08 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000631 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.55 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000633 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000635 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.69 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000637 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.35 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000639 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.15 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000641 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.11 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000643 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 1 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000645 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.87 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000647 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000649 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Total Asset Calculation | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 0 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000651 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000653 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000655 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.16 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000657 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000659 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000661 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.16 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000663 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.17 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000665 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000667 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000669 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000671 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000673 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.20 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000675 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.37 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000677 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.40 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000679 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.07 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000681 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Interest Only | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000683 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000685 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000687 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 10.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.20 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000689 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000691 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.85 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000693 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | No | No | XXX | No |  | 2 | 0 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000695 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.05 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000697 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000699 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.28 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000701 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000703 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.23 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000705 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | QM Points and Fees Exceeded | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000707 |  | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000709 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.86 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000711 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.83 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000713 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.36 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000715 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.93 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000717 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | 1.31 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000719 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.24 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000721 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.28 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000723 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.31 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000725 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000727 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | QM Points and Fees Exceeded | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000729 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000731 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.42 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000733 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000735 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000737 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.61 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000739 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.46 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000741 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000743 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000745 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.10 |  | XXX |  | Yes | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000747 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000749 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000751 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.21 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000753 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000755 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.36 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000757 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.11 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000759 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.07 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000761 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.01 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000763 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000765 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000767 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.35 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000769 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000771 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.64 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000773 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | QM Points and Fees Exceeded | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000775 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.04 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000777 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.74 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000779 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | Yes | XXX | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000781 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  | XXX |  |  | Yes | Yes | XXX | Yes | XXX | 2 | 0 | No | 2 | 2 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000783 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.16 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000785 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.68 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000787 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 1 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000789 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000791 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 2.11 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000793 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000795 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000797 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000799 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Interest Only | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000801 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.39 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000803 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  | XXX |  |  | Yes | No | XXX | Yes | XXX | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000805 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.86 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000807 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 40 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.21 |  | XXX |  | Yes | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000809 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.19 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000811 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000813 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.08 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000815 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000817 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000819 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.05 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000821 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.32 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000823 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.44 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000825 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.30 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000827 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.07 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000829 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000831 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.34 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000833 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.02 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000835 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.11 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000837 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.81 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000839 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 1 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000841 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  | XXX | XXX | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000843 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.14 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000845 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | Yes | XXX | 0 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000847 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX |  | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.00 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000849 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.53 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000851 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000853 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 10.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.25 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000855 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000857 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.91 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000859 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.40 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000861 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000863 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.13 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000865 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.10 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000867 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.32 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000869 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.14 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000871 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000873 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.20 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 1 | 0 | 0 |  | XXX | XXX |
| 250000875 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000877 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.15 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000879 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | QM Points and Fees Exceeded | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000881 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 6.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000883 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.01 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000885 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000887 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.47 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000889 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.59 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000891 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000893 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.27 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000895 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.03 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000897 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000899 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.06 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000901 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000903 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000905 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000907 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000909 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000911 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000913 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.50 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000915 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX | XXX |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000917 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000919 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX |  | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.09 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000921 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000923 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000925 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000927 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.39 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000929 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.42 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000931 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.28 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000933 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.05 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000935 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000937 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Loan Term Exceeds 30 Years | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed IO | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000939 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.36 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250000941 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.32 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000943 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000945 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Interest Only | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000947 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 1 | 1 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000949 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000951 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000953 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000955 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.30 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000957 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000959 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.84 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000961 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.03 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000963 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.06 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000965 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.10 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000967 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.15 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000969 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  | XXX | XXX | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000971 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 4.64 |  | XXX |  | Yes | XXX |  | XXX | XXX |  | $XXX | $XXX | 1 | 0 | 0 |  | XXX | XXX |
| 250000973 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000975 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.03 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000977 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.05 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000979 |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.54 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000981 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | XXX |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.19 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000983 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000985 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000987 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000989 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000991 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000993 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.26 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000995 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.14 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000997 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.20 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250000999 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX |  | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.09 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001001 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.14 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001003 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 1 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001005 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.76 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001007 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001009 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001011 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001013 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.89 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001015 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.09 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001017 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 3 | 3 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001019 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.52 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001021 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | QM Points and Fees Exceeded | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001023 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Total Asset Calculation | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001025 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001027 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001029 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.05 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001031 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001033 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.12 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001035 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.85 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001037 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001039 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.35 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001041 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.03 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001043 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.66 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001045 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001047 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 2.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 1 | 0 | 0 |  | XXX | XXX |
| 250001049 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001051 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.08 |  | XXX |  | Yes | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001053 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.07 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001055 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.01 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001057 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.22 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001059 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.03 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001061 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 0 | 0 | No | 0 | 0 | 0 | 1 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250001063 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 10/1 or 10/6 Mos ARM | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Basic | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX | XXX |  | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001065 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Total Asset Calculation | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 250001067 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.26 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001069 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 1 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001071 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.22 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001073 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001075 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.32 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001077 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.04 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001079 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.13 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001081 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.14 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001083 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001085 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.03 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001087 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | 1.04 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001089 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 10.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.08 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001091 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.16 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001093 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.50 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001095 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.28 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001097 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 2.08 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001099 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.16 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001103 |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  |  | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 0.1 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | XXX | XXX | 1.811170363 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 250001101 |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Other | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 0.1 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | XXX | XXX | 1.414545055 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |

---

## Exhibit 99.20

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Appraisal Company** | **Appraiser Name** | **Appraiser Cert or License Number** | **Number of Units** | **Property Type** | **Appraisal Occupancy** | **Neighborhood Location** | **Project Condo Classification** | **Property Listed in Past 12 Months** | **Property Listed for Sale Date** | **Months Since Last Listing** | **DSCR at Orign** | **Back DTI Ratio** | **Short Term Rental Flag** |
| 250000001 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Owner | Suburban |  | No |  |  | 1.09 | XXX | No |
| 250000091 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  | XXX |  | XXX |  |
| 250000003 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  |  |  | XXX | No |
| 250000127 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000033 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Warrantable | No |  |  | 1.69 | XXX | Yes |
| 250000011 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000017 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | Yes | XXX | XXX |  | XXX |  |
| 250000015 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes | XXX | XXX | 1.95 | XXX | No |
| 250000019 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Non-Warrantable | Yes | XXX | XXX |  | XXX |  |
| 250000021 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000031 | XXX | XXX | XXX | 1 | Single Family | Owner | Rural |  | No |  |  |  | XXX |  |
| 250000013 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000023 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.53 | XXX | Yes |
| 250000025 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  |  | 1.49 | XXX | Yes |
| 250000105 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.66 | XXX | Yes |
| 250000089 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000139 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000185 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000073 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000125 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.36 | XXX | No |
| 250000057 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000215 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No | XXX | XXX |  | XXX |  |
| 250000165 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  |  |  | XXX |  |
| 250000131 | XXX | XXX | XXX | 1 | Condominium | Tenant | Suburban |  | No |  |  | 1.01 | XXX | No |
| 250000075 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000095 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes | XXX | XXX | 1.57 | XXX | No |
| 250000083 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes |  |  |  | XXX |  |
| 250000211 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes |  |  | 0.99 | XXX | No |
| 250000081 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  |  | 1.74 | XXX | No |
| 250000087 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  | XXX |  | XXX |  |
| 250000141 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.03 | XXX | No |
| 250000163 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000121 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Non-Warrantable | Yes | XXX | XXX |  | XXX |  |
| 250000137 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Non-Warrantable | No |  |  |  | XXX |  |
| 250000093 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000213 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes |  |  |  | XXX |  |
| 250000129 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.37 | XXX | No |
| 250000245 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX | No |
| 250000103 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000247 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  |  | 1.60 | XXX | No |
| 250000209 | XXX | XXX | XXX | 1 | Condominium | Tenant | Suburban | Warrantable | Yes |  |  |  | XXX |  |
| 250000055 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.51 | XXX | No |
| 250000009 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  |  | XXX | No |
| 250000251 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000053 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  |  | XXX |  |
| 250000061 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000545 | XXX | XXX | XXX | 1 | Condominium | Tenant | Suburban | Non-Warrantable | Yes | XXX | XXX |  | XXX |  |
| 250000043 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.33 | XXX | No |
| 250000039 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 0.83 | XXX | No |
| 250000041 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000051 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | No |  |  |  | XXX |  |
| 250000047 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.00 | XXX | No |
| 250000029 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  |  |  | XXX |  |
| 250000027 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000035 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000049 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000085 | XXX | XXX | XXX | 1 | Single Family | Owner | Rural |  | Yes | XXX | XXX |  | XXX |  |
| 250000077 | XXX | XXX | XXX | 1 | Condominium | Owner | Urban | Warrantable | Yes | XXX | XXX |  | XXX |  |
| 250000149 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  |  | 1.56 | XXX | Yes |
| 250000071 | XXX | XXX | XXX | 1 | PUD | Vacant | Urban |  | Yes | XXX | XXX |  | XXX |  |
| 250000063 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | Yes | XXX | XXX | 1.54 | XXX | Yes |
| 250000045 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX | 0.76 | XXX | No |
| 250000877 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes |  |  | 1.15 | XXX | No |
| 250000455 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  |  | XXX |  |
| 250000237 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Warrantable | Yes | XXX | XXX |  | XXX |  |
| 250000059 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  | XXX |  | XXX |  |
| 250000181 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000101 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000079 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Vacant | Urban |  | No |  |  | 0.89 | XXX | No |
| 250000037 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  |  | XXX | No |
| 250000119 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000069 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000461 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.00 | XXX | No |
| 250000171 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  |  | XXX |  |
| 250000173 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.05 | XXX | No |
| 250000341 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  | XXX |  | XXX |  |
| 250000195 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.42 | XXX | No |
| 250000067 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes | XXX | XXX | 0.92 | XXX | No |
| 250000117 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | No |  |  | 1.68 | XXX | No |
| 250000107 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes |  |  | 1.01 | XXX | No |
| 250000261 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000151 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Warrantable | Yes |  |  |  | XXX |  |
| 250000099 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  |  | XXX | No |
| 250000257 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000145 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX | 0.96 | XXX | No |
| 250000109 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX | 1.00 | XXX | No |
| 250000235 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000347 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000255 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.00 | XXX | No |
| 250000161 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.26 | XXX | No |
| 250000113 | XXX | XXX | XXX | 1 | Townhouse | Tenant | Urban |  | No |  |  | 0.85 | XXX | Yes |
| 250000193 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  |  | XXX | No |
| 250000179 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes | XXX | XXX | 1.32 | XXX | Yes |
| 250000277 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes |  |  |  | XXX |  |
| 250000707 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000187 | XXX | XXX | XXX | 1 | Single Family | Vacant | Rural |  | Yes | XXX | XXX |  | XXX |  |
| 250000147 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.04 | XXX | No |
| 250000227 | XXX | XXX | XXX | 1 | Single Family | Owner | Urban |  | Yes | XXX | XXX |  | XXX |  |
| 250000359 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.31 | XXX | No |
| 250000515 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000477 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | No |  |  |  | XXX |  |
| 250000115 | XXX | XXX | XXX | 1 | Condominium | Tenant | Suburban | Non-Warrantable | No |  |  |  | XXX | No |
| 250000283 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000123 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000435 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000189 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.23 | XXX | No |
| 250000191 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.62 | XXX | Yes |
| 250000415 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  |  | XXX |  |
| 250000225 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.04 | XXX | No |
| 250000371 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250001043 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.66 | XXX | No |
| 250000265 | XXX | XXX | XXX | 1 | Single Family | Owner | Urban |  | Yes | XXX | XXX |  | XXX |  |
| 250000155 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | No |  |  |  | XXX |  |
| 250000203 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.12 | XXX | No |
| 250000337 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 0.75 | XXX | No |
| 250000201 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX | 0.98 | XXX | No |
| 250000397 | XXX | XXX | XXX | 1 | PUD | Owner | Urban |  | No |  |  |  | XXX |  |
| 250000269 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Warrantable | Yes | XXX | XXX |  | XXX | No |
| 250000281 | XXX | XXX | XXX | 1 | Single Family | Vacant | Rural |  | Yes | XXX | XXX |  | XXX |  |
| 250000411 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000177 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000263 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  | 1.55 | XXX | No |
| 250000323 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000275 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | Yes | XXX | XXX | 1.13 | XXX | No |
| 250000391 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Warrantable | No |  |  |  | XXX |  |
| 250000159 | XXX | XXX | XXX | 1 | Single Family | Vacant | Rural |  | Yes |  |  |  | XXX |  |
| 250000375 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Tenant | Urban |  | Yes | XXX | XXX | 1.22 | XXX | No |
| 250000229 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.14 | XXX | No |
| 250000363 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000205 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX | 1.11 | XXX | No |
| 250000279 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000447 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 1.01 | XXX | No |
| 250000509 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000253 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.01 | XXX | No |
| 250000333 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | Yes | XXX | XXX |  | XXX |  |
| 250000259 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000223 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000551 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes |  |  |  | XXX |  |
| 250000409 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  | XXX |  | XXX |  |
| 250000465 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Warrantable | No |  |  | 1.15 | XXX | No |
| 250000153 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000505 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000267 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000287 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000289 | XXX | XXX | XXX | 1 | Condominium | Vacant | Urban | Non-Warrantable | Yes | XXX | XXX |  | XXX |  |
| 250000291 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Warrantable | Yes |  |  |  | XXX |  |
| 250000293 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000295 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  |  | XXX |  |
| 250000297 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Warrantable | No |  |  |  | XXX |  |
| 250000299 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000301 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000303 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Warrantable | Yes | XXX | XXX |  | XXX |  |
| 250000305 | XXX | XXX | XXX | 1 | Single Family | Owner | Urban |  | Yes | XXX | XXX |  | XXX |  |
| 250000307 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000309 | XXX | XXX | XXX | 1 | Single Family | Owner | Urban |  | No |  |  |  | XXX |  |
| 250000311 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000313 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  |  | 1.00 | XXX | Yes |
| 250000315 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.73 | XXX | No |
| 250000317 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Vacant | Suburban |  | Yes |  |  | 1.32 | XXX | No |
| 250000319 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | No |  |  |  | XXX |  |
| 250000321 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  |  | XXX |  |
| 250000231 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX | 1.28 | XXX | No |
| 250000899 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 1.06 | XXX | No |
| 250000111 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.55 | XXX | No |
| 250000327 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Warrantable | Yes |  |  |  | XXX |  |
| 250000441 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000345 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.20 | XXX | No |
| 250000423 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No | XXX | XXX |  | XXX |  |
| 250000491 | XXX | XXX | XXX | 1 | Single Family | Vacant | Rural |  | Yes | XXX | XXX |  | XXX |  |
| 250001029 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 1.05 | XXX | No |
| 250000273 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes |  |  |  | XXX |  |
| 250000355 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | Yes | XXX | XXX | 1.30 | XXX | No |
| 250000221 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000329 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000379 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.39 | XXX | No |
| 250000381 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.37 | XXX | No |
| 250000393 | XXX | XXX | XXX | 1 | Condominium | Tenant | Urban | Warrantable | Yes | XXX | XXX | 1.20 | XXX | No |
| 250000425 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 0.75 | XXX | No |
| 250000249 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Warrantable | Yes | XXX | XXX |  | XXX |  |
| 250000389 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | Yes |  |  | 1.13 | XXX | No |
| 250000429 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000219 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  | XXX |  | XXX |  |
| 250000361 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.36 | XXX | No |
| 250000521 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.16 | XXX | No |
| 250000581 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | No |  |  | 1.18 | XXX | No |
| 250000583 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | No |  |  | 1.18 | XXX | No |
| 250000479 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX | 1.07 | XXX | No |
| 250000395 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | No |  |  | 1.18 | XXX | No |
| 250000585 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | No |  |  | 1.18 | XXX | No |
| 250000587 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | No |  |  | 1.18 | XXX | No |
| 250000459 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Warrantable | Yes | XXX | XXX | 0.92 | XXX | No |
| 250000243 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000525 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.48 | XXX | No |
| 250000487 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | Yes | XXX | XXX | 2.62 | XXX | No |
| 250000607 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Vacant | Suburban |  | No |  |  | 1.87 | XXX | No |
| 250000343 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000233 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  |  | XXX |  |
| 250000823 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Owner | Urban |  | No |  |  | 1.44 | XXX | No |
| 250000373 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | Yes | XXX | XXX |  | XXX |  |
| 250000339 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.05 | XXX | No |
| 250000357 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes |  |  | 0.77 | XXX | No |
| 250000349 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.54 | XXX | No |
| 250000523 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000453 | XXX | XXX | XXX | 1 | Condominium | Tenant | Suburban | Warrantable | No |  |  |  | XXX |  |
| 250000495 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000285 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 0.77 | XXX | No |
| 250000511 | XXX | XXX | XXX | 1 | Condominium | Owner | Urban | Warrantable | Yes | XXX | XXX |  | XXX |  |
| 250000241 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000595 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000183 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.13 | XXX | No |
| 250000815 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | No |  |  | 1.00 | XXX | No |
| 250000387 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000629 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.08 | XXX | No |
| 250000405 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 0.81 | XXX | No |
| 250000463 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | Yes | XXX | XXX | 1.47 | XXX | No |
| 250000531 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | No |  |  |  | XXX |  |
| 250000483 | XXX | XXX | XXX | 1 | PUD | Owner | Rural |  | No |  |  |  | XXX |  |
| 250000331 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes |  |  |  | XXX |  |
| 250000527 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.59 | XXX | No |
| 250000565 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000325 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.11 | XXX | No |
| 250000501 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 0.96 | XXX | No |
| 250000353 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000603 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Warrantable | Yes | XXX | XXX | 1.10 | XXX | No |
| 250000207 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.80 | XXX | No |
| 250000427 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | No |  |  |  | XXX |  |
| 250000643 | XXX | XXX | XXX | 1 | Single Family | Tenant | Rural |  | Yes |  | XXX |  | XXX |  |
| 250000421 | XXX | XXX | XXX | 1 | Single Family | Owner | Urban |  | No |  |  |  | XXX |  |
| 250000579 | XXX | XXX | XXX | 1 | Single Family | Owner | Urban |  | Yes | XXX | XXX |  | XXX |  |
| 250000369 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000407 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  |  | 1.32 | XXX | No |
| 250000569 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000617 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  |  | XXX |  |
| 250000489 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000497 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes |  |  |  | XXX |  |
| 250000365 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000457 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Owner | Urban |  | Yes | XXX | XXX | 1.52 | XXX | No |
| 250000719 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.25 | XXX | No |
| 250000439 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000417 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes |  |  | 1.13 | XXX | No |
| 250000377 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.65 | XXX | No |
| 250000529 | XXX | XXX | XXX | 1 | Condominium | Owner | Urban | Warrantable | No |  |  |  | XXX |  |
| 250000271 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  |  |  | XXX |  |
| 250000613 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000467 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 1.04 | XXX | No |
| 250000449 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes |  |  |  | XXX |  |
| 250000437 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Non-Warrantable | Yes | XXX | XXX |  | XXX |  |
| 250000631 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.55 | XXX | No |
| 250000641 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.11 | XXX | No |
| 250000609 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000543 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.26 | XXX | No |
| 250000709 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes |  |  | 0.86 | XXX | No |
| 250000711 | XXX | XXX | XXX | 1 | Single Family | Owner | Urban |  | Yes | XXX | XXX | 0.83 | XXX | No |
| 250000443 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes |  |  |  | XXX |  |
| 250000383 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | No |  |  | 1.00 | XXX | No |
| 250000431 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | No |  |  | 1.00 | XXX | No |
| 250000563 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | Yes | XXX | XXX | 0.91 | XXX | No |
| 250000485 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Vacant | Suburban |  | Yes | XXX | XXX | 1.61 | XXX | No |
| 250000481 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.14 | XXX | No |
| 250000547 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000657 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes |  |  |  | XXX |  |
| 250000859 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Vacant | Suburban |  | Yes | XXX | XXX | 1.43 | XXX | No |
| 250000351 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | No |  |  | 1.19 | XXX | No |
| 250000513 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000473 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  |  | XXX |  |
| 250000445 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  |  |  | XXX |  |
| 250000537 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.23 | XXX | No |
| 250000433 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000335 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000413 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.58 | XXX | No |
| 250000517 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000681 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000539 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Vacant | Urban |  | Yes |  |  | 1.46 | XXX | No |
| 250000385 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Unable to Determine | Yes | XXX | XXX |  | XXX |  |
| 250000533 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000471 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX | 1.29 | XXX | No |
| 250000469 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | No |  | XXX | 1.26 | XXX | No |
| 250000401 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000697 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Warrantable | No |  |  |  | XXX |  |
| 250000451 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000399 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.38 | XXX | No |
| 250000499 | XXX | XXX | XXX | 1 | Single Family | Owner | Rural |  | No |  |  |  | XXX |  |
| 250000693 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Non-Warrantable | Yes | XXX | XXX |  | XXX |  |
| 250000419 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.74 | XXX | No |
| 250000403 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes | XXX | XXX | 1.00 | XXX | No |
| 250000493 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | No |  |  |  | XXX |  |
| 250000549 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000701 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes |  |  |  | XXX |  |
| 250000503 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000367 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000593 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000535 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.43 | XXX | No |
| 250000947 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  |  | XXX |  |
| 250000665 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes |  |  |  | XXX |  |
| 250000649 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000597 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.17 | XXX | No |
| 250000589 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Tenant | Urban |  | Yes | XXX | XXX | 1.84 | XXX | No |
| 250001045 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000611 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes | XXX | XXX | 1.62 | XXX | No |
| 250000619 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000555 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | No |  |  | 1.05 | XXX | No |
| 250000561 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000833 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  | 1.02 | XXX | No |
| 250000541 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.12 | XXX | No |
| 250000713 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 1.36 | XXX | No |
| 250000715 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes | XXX | XXX | 0.93 | XXX | No |
| 250000645 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes |  |  | 0.87 | XXX | No |
| 250000661 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.16 | XXX | No |
| 250000875 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000817 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000677 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.40 | XXX | No |
| 250000475 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | Yes | XXX | XXX |  | XXX |  |
| 250000615 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Warrantable | No |  |  |  | XXX |  |
| 250000599 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000553 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | No |  |  | 1.21 | XXX | No |
| 250000699 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes |  |  | 1.28 | XXX | No |
| 250000567 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Non-Warrantable | Yes |  |  |  | XXX |  |
| 250000653 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000655 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.16 | XXX | No |
| 250000507 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.02 | XXX | No |
| 250000621 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | Yes | XXX | XXX | 1.01 | XXX | No |
| 250000659 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000591 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000633 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000601 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000647 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000623 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000575 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Warrantable | Yes | XXX | XXX |  | XXX |  |
| 250001011 | XXX | XXX | XXX | 1 | Single Family | Owner | Urban |  | No |  |  |  | XXX |  |
| 250000901 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000881 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000729 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000605 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.10 | XXX | No |
| 250000635 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.69 | XXX | No |
| 250000671 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000577 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000939 | XXX | XXX | XXX | 1 | Condominium | Tenant | Suburban | Warrantable | No |  |  | 1.36 | XXX | No |
| 250000625 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes |  |  | 1.44 | XXX | No |
| 250000519 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | No |  |  | 1.10 | XXX | No |
| 250000731 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 1.42 | XXX | No |
| 250000683 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000685 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000749 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250001039 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.35 | XXX | No |
| 250000825 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.30 | XXX | No |
| 250000557 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000923 | XXX | XXX | XXX | 1 | Condominium | Owner | Urban | Warrantable | No |  |  |  | XXX |  |
| 250000663 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  |  | 1.17 | XXX | No |
| 250000793 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000933 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | Yes |  |  | 1.05 | XXX | No |
| 250000795 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  |  | XXX |  |
| 250000805 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX | 0.86 | XXX | No |
| 250001073 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000733 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Warrantable | Yes | XXX | XXX |  | XXX |  |
| 250000843 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.14 | XXX | No |
| 250000799 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000705 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000855 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250001019 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.52 | XXX | No |
| 250000789 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000765 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000835 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  | XXX | 1.11 | XXX | No |
| 250000921 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000811 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes | XXX | XXX | 1.00 | XXX | No |
| 250000691 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX | 0.85 | XXX | No |
| 250000627 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.45 | XXX | No |
| 250000695 | XXX | XXX | XXX | 1 | Condominium | Tenant | Urban | Non-Warrantable | Yes |  |  | 1.05 | XXX | No |
| 250000559 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250001007 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000573 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.08 | XXX | No |
| 250000911 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000675 | XXX | XXX | XXX | 1 | Condominium | Vacant | Suburban | Warrantable | Yes | XXX | XXX | 1.37 | XXX | No |
| 250000915 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes |  |  |  | XXX |  |
| 250000827 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.09 | XXX | No |
| 250000727 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000687 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.20 | XXX | No |
| 250000735 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000973 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000639 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Vacant | Urban |  | Yes | XXX | XXX | 1.15 | XXX | No |
| 250000767 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX | No |
| 250000785 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.68 | XXX | No |
| 250000929 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.42 | XXX | No |
| 250000571 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.00 | XXX | No |
| 250000669 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000725 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000651 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | Yes |  |  |  | XXX |  |
| 250000747 | XXX | XXX | XXX | 1 | Single Family | Owner | Rural |  | Yes |  |  |  | XXX |  |
| 250000935 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250001083 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000987 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000703 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.23 | XXX | No |
| 250000857 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX | 1.91 | XXX | No |
| 250000883 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.01 | XXX | No |
| 250001075 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Vacant | Urban |  | Yes |  |  | 1.32 | XXX | No |
| 250000849 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes | XXX | XXX | 1.53 | XXX | No |
| 250001065 | XXX | XXX | XXX | 1 | Condominium | Owner | Suburban | Warrantable | Yes | XXX | XXX |  | XXX |  |
| 250000797 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000667 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000689 | XXX | XXX | XXX | 1 | Condominium | Tenant | Urban | Warrantable | No |  |  |  | XXX |  |
| 250000717 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | Yes | XXX | XXX | 1.31 | XXX | No |
| 250000737 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | No |  |  | 1.61 | XXX | No |
| 250000739 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.46 | XXX | No |
| 250000981 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.19 | XXX | No |
| 250000949 | XXX | XXX | XXX | 1 | Single Family | Owner | Rural |  | Yes | XXX | XXX |  | XXX |  |
| 250001041 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | Yes | XXX | XXX | 1.03 | XXX | No |
| 250000721 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | No |  |  | 1.28 | XXX | No |
| 250000847 | XXX | XXX | XXX | 1 | Condominium | Tenant | Suburban | Warrantable | No |  |  | 1.00 | XXX | No |
| 250000787 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  |  | XXX |  |
| 250000637 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.35 | XXX | No |
| 250000807 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.21 | XXX | Yes |
| 250001053 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX | 1.07 | XXX | No |
| 250000741 | XXX | XXX | XXX | 1 | PUD | Vacant | Urban |  | Yes | XXX | XXX |  | XXX |  |
| 250000867 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  |  | 1.31 | XXX | No |
| 250000941 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | Yes | XXX | XXX | 1.32 | XXX | No |
| 250000989 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000869 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.14 | XXX | No |
| 250000971 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | No |  |  | 4.64 | XXX | Yes |
| 250000809 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.19 | XXX | No |
| 250000975 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.03 | XXX | No |
| 250000801 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | Yes | XXX | XXX | 1.39 | XXX | No |
| 250000925 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000917 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | No |  |  |  | XXX |  |
| 250000723 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 1.31 | XXX | No |
| 250000863 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 1.13 | XXX | No |
| 250000865 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | Yes | XXX | XXX | 1.04 | XXX | No |
| 250000841 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000679 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Tenant | Urban |  | Yes | XXX | XXX | 1.07 | XXX | No |
| 250001081 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 1.14 | XXX | No |
| 250000979 | XXX | XXX | XXX | 1 | Single Family | Owner | Urban |  | No |  | XXX | 1.54 | XXX | No |
| 250000743 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000951 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX | 1.00 | XXX | No |
| 250001055 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.01 | XXX | No |
| 250001023 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250001025 | XXX | XXX | XXX | 1 | PUD | Owner | Rural |  | No |  |  |  | XXX |  |
| 250001057 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  |  | 1.22 | XXX | No |
| 250000909 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | Yes | XXX | XXX |  | XXX |  |
| 250001001 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | No |  | XXX | 1.14 | XXX | No |
| 250000813 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.08 | XXX | No |
| 250000673 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Vacant | Urban |  | No |  |  | 1.20 | XXX | No |
| 250000879 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000759 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | No |  |  |  | XXX | No |
| 250000775 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX | 1.04 | XXX | No |
| 250000755 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Tenant | Urban |  | Yes | XXX | XXX |  | XXX | No |
| 250000753 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  | XXX |  | XXX |  |
| 250000757 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.11 | XXX | No |
| 250000761 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.01 | XXX | No |
| 250000771 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 1.64 | XXX | No |
| 250000781 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000773 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000763 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000751 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes | XXX | XXX | 1.21 | XXX | No |
| 250000777 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes |  |  |  | XXX | No |
| 250000769 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000779 | XXX | XXX | XXX | 1 | Condominium | Owner | Urban | Non-Warrantable | No |  |  |  | XXX |  |
| 250001059 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX | 1.03 | XXX | Yes |
| 250000783 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX | 1.16 | XXX | No |
| 250000871 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000745 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.10 | XXX | No |
| 250000861 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250001005 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.76 | XXX | No |
| 250000993 | XXX | XXX | XXX | 1 | Single Family | Vacant | Urban |  | No |  |  | 1.26 | XXX | No |
| 250000919 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Vacant | Suburban |  | Yes |  |  | 1.09 | XXX | No |
| 250000829 | XXX | XXX | XXX | 1 | Single Family | Owner | Rural |  | Yes | XXX | XXX |  | XXX |  |
| 250000931 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.28 | XXX | No |
| 250000927 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | No |  |  | 1.39 | XXX | No |
| 250001077 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.04 | XXX | No |
| 250000851 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000821 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX | 1.32 | XXX | No |
| 250000845 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250001013 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX | 0.89 | XXX | No |
| 250001017 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000873 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.20 | XXX | No |
| 250000953 | XXX | XXX | XXX | 1 | Single Family | Owner | Rural |  | No |  |  |  | XXX |  |
| 250001035 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Owner | Suburban |  | Yes |  |  | 1.85 | XXX | No |
| 250000837 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | Yes | XXX | XXX | 1.93 | XXX | No |
| 250001047 | XXX | XXX | XXX | 1 | Single Family | Tenant | Urban |  | No |  |  | 2.00 | XXX | No |
| 250000893 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  | 1.27 | XXX | No |
| 250000791 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 2.09 | XXX | No |
| 250001033 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX | 1.12 | XXX | No |
| 250001067 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 1.26 | XXX | No |
| 250000999 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.09 | XXX | No |
| 250001037 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000903 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000957 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000985 | XXX | XXX | XXX | 3 | 2 - 4 Unit | Vacant | Suburban |  | No |  | XXX | 1.03 | XXX | No |
| 250000997 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | Yes | XXX | XXX | 1.20 | XXX | No |
| 250001079 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.13 | XXX | No |
| 250000959 | XXX | XXX | XXX | 4 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.84 | XXX | No |
| 250000819 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.05 | XXX | No |
| 250000983 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes |  |  |  | XXX |  |
| 250000963 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  |  | 1.06 | XXX | No |
| 250000995 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.14 | XXX | No |
| 250000991 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000839 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  |  | XXX |  |
| 250000895 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes | XXX | XXX | 1.03 | XXX | No |
| 250000937 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000891 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes |  |  |  | XXX |  |
| 250000907 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes |  |  |  | XXX |  |
| 250001015 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  | XXX | 1.09 | XXX | No |
| 250000967 | XXX | XXX | XXX | 1 | PUD | Tenant | Suburban |  | No |  |  | 1.15 | XXX | No |
| 250000897 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000943 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250001009 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000955 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | No |  |  | 1.30 | XXX | No |
| 250000913 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | Yes | XXX | XXX | 1.50 | XXX | No |
| 250001091 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.16 | XXX | No |
| 250001049 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000803 | XXX | XXX | XXX | 1 | PUD | Tenant | Urban |  | Yes |  |  |  | XXX |  |
| 250001031 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000969 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250001027 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000885 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000887 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  |  | XXX | No |
| 250000889 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes | XXX | XXX | 1.58 | XXX | No |
| 250000831 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | Yes | XXX | XXX | 1.34 | XXX | No |
| 250000945 | XXX | XXX | XXX | 1 | PUD | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250001003 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000853 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.25 | XXX | No |
| 250001069 | XXX | XXX | XXX | 1 | PUD | Vacant | Rural |  | No |  |  |  | XXX |  |
| 250001061 | XXX | XXX | XXX | 1 | Condominium | Vacant | Urban | Warrantable | Yes | XXX | XXX |  | XXX |  |
| 250000905 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250001063 | XXX | XXX | XXX | 1 | Single Family | Owner | Rural |  | No |  |  |  | XXX |  |
| 250001051 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes | XXX | XXX | 1.08 | XXX | Yes |
| 250000965 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.10 | XXX | No |
| 250001097 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 2.08 | XXX | No |
| 250001099 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | No |  |  | 1.16 | XXX | No |
| 250000961 | XXX | XXX | XXX | 1 | Single Family | Tenant | Suburban |  | No |  |  | 1.03 | XXX | No |
| 250001021 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250001085 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX | 1.03 | XXX | No |
| 250000977 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  | 1.05 | XXX | No |
| 250001087 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Suburban |  | Yes |  |  | 1.04 | XXX | No |
| 250001071 | XXX | XXX | XXX | 1 | Single Family | Owner | Urban |  | No |  |  | 1.22 | XXX | No |
| 250001093 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes |  |  | 1.50 | XXX | No |
| 250001095 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  | 1.26 | XXX | No |
| 250001089 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | Urban |  | Yes | XXX | XXX | 1.08 | XXX | No |
| 250000197 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000133 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  | XXX | 2.15 | XXX | No |
| 250000097 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000157 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes |  |  |  | XXX |  |
| 250000199 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  |  | 1.00 | XXX | No |
| 250000167 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000005 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000007 | XXX | XXX | XXX | 1 | Condominium | Suburban | Suburban | Unable to Determine | Yes | XXX | XXX |  | XXX |  |
| 250000065 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000169 | XXX | XXX | XXX | 1 | Single Family | Vacant | Suburban |  | No |  | XXX | 1.07 | XXX | No |
| 250000239 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | Yes | XXX | XXX |  | XXX |  |
| 250000135 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000143 | XXX | XXX | XXX | 1 | Single Family | Owner | Suburban |  | No |  |  |  | XXX |  |
| 250000217 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes |  |  | 2.15 | XXX | No |
| 250000175 | XXX | XXX | XXX | 1 | PUD | Vacant | Suburban |  | Yes |  |  | 1.07 | XXX | No |
| 250001101 | XXX | XXX | XXX | 1 | Single Family | Vacant | UTD |  | UTD | XXX | XXX | 1.41 | XXX | No |
| 250001103 | XXX | XXX | XXX | 2 | 2 - 4 Unit | Tenant | UTD |  | UTD | XXX | XXX | 1.81 | XXX | No |

---

## Exhibit 99.21

![](opus_logo.jpg)

SPIRE 2026-2

Aspire Sponsor, LLC or its affiliates for the SPIRE 2026-2 transaction

Opus Capital Markets Consultants, LLC

Page 1 of 22

------

**Executive Narrative**

**April 20, 2026**

**Performed by** 

**Opus Capital Markets Consultants, LLC**

**For** 

**Aspire Sponsor, LLC or its affiliates for the SPIRE 2026-2 transaction**

The report summarizes the results of a due diligence review performed on a pool of 1 loan provided by Aspire Sponsor, LLC ("Client") who acquired via reliance by a client of Opus who provided Opus Capital Markets Consultants, LLC ("Consultant") with a data tape, from which 100% of the loan sample was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed credit and compliance review of all loans.

As detailed herein, the pool contains one (1) ATR/QM Exempt loan, which is a DSCR loan that was re-underwritten in accordance with the lender guidelines in terms of Exhibit A.

&nbsp;&nbsp;&nbsp;&nbsp; EXHIBIT A

**Credit Review** 

**Credit Qualification** 

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; a) **Guidelines:** Determine whether each mortgage loan meets the requisite guideline requirements as specified by the Client. In lieu of specific requirements, Consultant should consider Regulation Z including Appendix Q if applicable. If the loan pre-

dates the requirements of Regulation Z and Appendix Q, Consultant will consider Fannie Mae's Single-Family guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; b) **Employment:** Review the file documentation for minimum required level of employment, income and asset verifications

pursuant to Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; c) **Income:** Recalculate borrower(s) monthly gross income and verify calculations of income as used by the original loan

underwriter at origination to determine compliance with the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; d) **Assets:** Confirm the presence of adequate asset documentation to comply with the Client provided underwriting guideline

requirements for closing funds, reserves and borrower liquidity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; e) **Debt Ratio:** Recalculate the debt-to-income ratio and verify the ratio accuracy used by the loan underwriter at origination

to determine compliance with Client provided underwriting guidelines and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; f) **Property Valuation:** Analyze all appraisals and alternative value tools used to qualify the loan for integrity of comparable

sales, completeness of data, eligibility of the appraiser and reasonableness of estimated value. Review the appraisal to determine the appraisal(s) meet the requirements of Client provided underwriting guidelines.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; g) **Loan-to-Value Ratio:** Recalculate and verify the loan-to-value ratio and combined loan-to-value ratio were accurate at

origination and meet Client provided underwriting guideline and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; h) **Credit History:** Review the credit report to verify that the borrower(s) demonstrate adequate credit depth to comply with

the Client provided underwriting guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; i) **Credit Scores**: Verify that borrower(s) meet minimum credit score requirements of the Client provided underwriting

guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; j) **Compensating Factors:** Verify exceptions to the Client provided underwriting guidelines are documented and reasonable.

**Document Review** 

**Document Review** 

A review of each loan file will be performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:

**a) Collateral Docs** 

* Title Commitment / Policy: Verify the presence of the title commitment or final title policy. Confirm vested parties and the description of the property, liens and tax assessments. 

* Mortgage Note / Security Instrument: Verify the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement are present and duly executed. 

* Mortgage / Deed of Trust: Verify the presence of a copy Mortgage or Deed of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits are present and duly executed. If the loan closed within 12 months of the review, Consultant will confirm the presence of a letter from the title company specifying the date the Mortgage / Deed Trust was sent for recording. If the closing did not occur within 12 months of the review and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from an independent document custodian verifying the presence of a recoded mortgage or a stamped / signed copy of the document stating the date the document was sent for recording. 

* Conveyance Deed: Verify as applicable that a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed. 

**b) Closing Docs** 

* Final Hud-1 Settlement Statement: If required, verify the presence of a final HUD-1. Verify the completeness of required data and signatures or certification depending upon state compliance requirements. 

* Final Truth-in-Lending Disclosure: If required, verify the presence of a final Truth-in-Lending Disclosure. Verify the completeness of required data and that all required signatures are present. 

* Notice of Right to Cancel: If required based on the specifics of the loan transaction, confirm the presence and required execution of the Notice of Right to Cancel. 

* Loan Estimate: If required verify the presence of the current Loan Estimate (LE) at the time of origination 

* Closing Disclosure: If required verify the presence of the current Closing Disclosure (CD) at the time of origination. 

**c) Credit Docs** 

* Loan Application: Verify the presence and completeness of both the initial and final loan applications. 

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* Underwriting Worksheet: Verify the presence of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis. 

* Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines. 

* Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form. 

* Letters of Explanation: When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file. 

* Gift Letters: When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file. 

* Income Documentation: Verify the presence of income and employment related documentation required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt ratio calculation. 

* Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file. 

* Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines. 

* Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as need basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines. 

**Regulatory Compliance** 

For each Mortgage Loan, Consultant shall determine, to the extent possible and subject to caveats below, whether such Mortgage Loan at the time of origination complied with:

1. The "material"1 disclosure requirements of the federal Truth-in-Lending Act ("TILA"), as amended by the Home Ownership and Equity Protection Act ("HOEPA") and Dodd-Frank, 15 U.S.C. § 1601 *et seq.* and implemented by Regulation Z, 12 C.F.R. Part

1026, including the material provisions relating to Higher-Priced Mortgage Loans in Regulation Z, 12 C.F.R. §§ 1026.35, and the early TIL disclosure provisions of the Mortgage Disclosure Improvement Act ("MDIA"), as implemented by Regulation Z, 12 C.F.R. §§ 1026.17 et seq; and as amended by the TILA-RESPA Integrated Disclosure ("TRID") Rule, TRID will be reviewed in accordance with the SFA TRID Grid 4.0, as amended from time to time, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; a. For Right of Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; i. A review of the Notice of Right to Cancel, including a verification of the transaction date and expiration

date, ensuring proper execution of the Notice of Right to Cancel by all required parties, verifying the disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. This review is also to be performed on transactions that are exempt from the rescission

requirement but on which a Notice of Right to Cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; B. A condition must be placed if the transaction is a refinance by the original creditor and the

borrower was provided the Form H-8 rescission notice. Consultant will note in the condition whether there was a new advance that is subject to rescission per TILA/Regulation Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; b. For TILs (Application Dates prior to 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; i. Confirm the initial TIL disclosure and final TIL disclosures were provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ii. Review and compare the initial and final TIL, and any re-disclosed TIL(s), with a report outlining any TILA violations, including a recalculation of disclosed finance charge, proper execution by all required parties, principal and interest calculations, proper completion of the interest rate and payment summary, recalculation of disclosed APR, and a review to determine disclosure differences were within the allowed

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tolerances and disclosures were provided within the required timeframes;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; c. For TRID Disclosures (Application Dates on or after 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; i. Confirm the initial Loan Estimate (LE) was delivered within three (3) business days of application and

seven (7) business days prior to consummation in accordance with Client's Underwriting Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ii. Review the required sections of each LE to ensure they were populated in accordance with the TRID

Rules. (If the file reflects more than one LE was provided, each revised LE must have corresponding Change of Circumstance documentation. The 0% and 10% fee tolerance evaluations will be based on the fee amounts disclosed on the initial LE and any valid changes documented and disclosed after the initial LE;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; iii. Confirm the Closing Disclosure (CD) confirm the borrower received the initial CD at least three (3)

business days prior to consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; iv. Review the required sections of each CD to ensure they were populated in accordance with the TRID

Rules. (Any fee tolerance issues to be cured at closing or within 60 days of loan consummation.)

1 These "material" disclosures include the required disclosures of the APR, the finance charge, the amount financed, the total number of payments, the payment schedule, *and* if the loan is subject to the Homeownership and Equity Protection Act ("HOEPA"), the disclosure requirements and prohibitions of that statute which are set forth in 12 C.F.R. §§ 1026.32(c) and (d).

2. Section 4 of the Real Estate Settlement Procedures Act ("RESPA"), 12 U.S.C. §2603 and 2604, as implemented by Regulation X,

12 C.F.R. Part 1024, and as amended by the TRID Rule; TRID will be reviewed in accordance with the SFA TRID Grid 4.0, as amended from time to time.

3. The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution;

4. Confirmation that one of the following are in the loan file, per the Fair Credit Reporting Act: Consumer Credit Score Disclosure,

Your Credit Score and the Price You Pay for Credit, or Notice to Home Loan Applicant;

5. 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: the general Ability to Repay underwriting standards (12 C.F.R. 1026.43(c)); refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); Qualified Mortgages (12 C.F.R. 1026.43(e) (including qualified mortgages 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.; and Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)) In accordance with "Ability to Repay and Qualified Mortgage Review" description below;

6. The Loan Originator Compensation and Prohibitions on Steering provisions of TILA, as implemented by Regulation Z, 12 C.F.R

1026.36;

7. The requirements for Higher-Price Mortgage Loans, as implemented by Regulation Z, 12 C.F.R. 1026.35;

8. The appraisal and valuation requirements of TILA and the Equal Credit Opportunity Act, as implemented by Regulation Z, 12

C.F.R. 1026.35 and Regulation B, 12 C.F.R. 1002.14, respectively;

9. The counseling requirements of TILA, as implemented by Regulation Z, 12 C.F.R. 1026.36(k) and RESPA, as implemented by

Regulation X, 12 C.F.R. 1024.20;

10. The escrow requirements of TILA and RESPA, as implemented by Regulation Z, 12 C.F.R 1026.35, and Regulation X, 12 C.F.R

1024.17, respectively;

11. The disclosure requirements and prohibitions of any applicable state, county and municipal laws and ordinances, as amended,

that have been enacted to regulate so-called "predatory lending":

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12. Consultant shall confirm that any mortgage property located in an area identified on a flood hazard map or flood insurance rate

map issued by the Federal Emergency Management Agency as having special flood hazards is subject to a qualified flood insurance policy that appears to be is in effect.

13. For any loans designated as TILA exemption, Consultant shall review the loan file for evidence that the primary purpose of the

loan was for commercial or business purposes, including, but not limited to a business purpose certification.

14. Documentation. Review of the following documents for regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; a. Final HUD-1 Settlement Statement ("HUD-1"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; i. If the loan is in an escrow state, the HUD-1 will be considered final as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. HUD-1 is marked Final;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; i. If HUD-1 is not marked Final, it must be stamped certified by the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. There should be no markings indicating that the HUD-1 is estimated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. HUD-1 is signed by all parties (including closing agent) or stamped certified by the closing agent;

and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; C. If HUD-1 is stamped, the HUD-1 / stamp should be signed or initialed by the closing agent; if the

stamp does not contain the signature or initials, it must identify the name of the closing agent. b. Final Truth in Lending Disclosure ("TIL"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; c. Loan Estimate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; i. The Loan Estimate in will be considered delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain

one or more Loan Estimates with the latest one provided up until three business days prior to the issuance of an initial Closing Disclosure.

d. Closing Disclosure, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; i. The Closing Disclosure in the loan file will be considered delivered based on the date issued, subject to the

three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain one or more Closing Disclosures with the latest one provided up until the consummation date being considered the Final with any delivered post consummation considered as a corrected Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; e. Notice of Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; f. Initial TIL, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; g. Good Faith Estimate ("GFE"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; h. Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; i. Mortgage/Deed of Trust

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; j. FACTA disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; k. Third Party Fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Third party fees on the HUD-1 or Closing Disclosure if applicable referred to as HUD-1/Closing Disclosure,

must be shown as paid to the third-party provider. A condition must be set if a third-party fee is paid to the lender, investor, etc. or the payee is blank.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. CONSULTANT will condition for evidence in the file indicating that a charge on the HUD-1/Closing Disclosure exceeds the actual cost to the borrower (i.e. cost printed / stamped on the face of the document showing an amount less than the charge on the HUD-1/Closing Disclosure). Variations of less

than $1 are deemed to be within reasonable limits and are not to be reported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Any refunds that are provided to the borrower must be accompanied by a revised HUD-1/Closing

Disclosure to show the final, accurate charges to the borrower.

Each loan reviewed will be assigned a Compliance condition grade in accordance with the Rating Agency Criteria as more fully described in Section 2(f).

Consultant will not make a determination as to whether the loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consultant are dependent upon its receipt of complete and accurate data regarding the loans from loan originators and other third parties upon which

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Consultant is relying in reaching such findings.

**<u>Ability to Repay and Qualified Mortgage Review</u>** 

1. **<u>For Agency Eligible Loans Only</u>**: Consultant reviews applicable loans for compliance with the Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.) based upon the loan's designation (Safe Harbor QM,

Rebuttable Presumption QM, Exempt). Consultant determines the loan's status under the QM rule requirements and assigns a due diligence loan designation. Consultant notes as a material exception if the due diligence findings do not confirm the same loan designation. Additionally, Consultant notes if a loan designation was not provided. Consultant will verify if each loan meets the requirements for a QM under § 1026.43(e)(2)—whether the loan is a safe harbor QM under § 1026.43(e)(1)(i) or a

rebuttable presumption QM under § 1026.43(e)(1)(ii). Consultant will verify the presence of documentation for lender determination of QM and indicating factors in its ability-to-repay determination, including how the originator applied its policies and procedures in verification. For loans applications taken on or after June 1, 2021, Consultant will verify whether the loan meets the requirements of the revised general QM definition effective March 1, 2021.

2. For loans for which applications were received prior to July 1, 2021, 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, Consultant reviews the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the paragraph (3)(a)(i)

below and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

3. **<u>For Non-Agency Eligible Loans</u>**: Consultant reviews applicable loans for compliance with the Ability to Repay (ATR) but not

Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.).

&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. <u>Qualified Mortgage</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. For QM (Safe Harbor or HPCT) designated loans, Consultant reviews the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an

interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately. Consultant reviews to the applicable consider and verify requirements under the QM rule depending on whether the QM was originated under

the original general QM definition or the revised general QM definition effective March 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ii. For each QM designated loan that satisfied the applicable requirements enumerated above, Consultant

then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain percentage. For QM designated loans originated under the revised general QM definition effective March 1, 2021, Consultant also determines whether the loan exceeds the pricing thresholds for QM loans.

b. <u>Ability to Repay</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; i. The ability to repay portion of the review for non-agency eligible loans only will focus on the eight factors

detailed in the ATR Rule as detailed below for non-agency eligible loans. The Consultant will review the loan file to determine if the creditor verified and considered each of the eight factors utilizing reasonably reliable third-party documentation at or before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Current or reasonably expected income or assets that the consumer will rely on to repay the

loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2. Current employment status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3. Monthly mortgage payment for subject loan using the introductory or fully indexed rate, whichever is higher, and monthly, fully amortizing payments that are substantially equal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4. Monthly payment on any simultaneous loans secured by the 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5. Monthly payments for property taxes and hazard/flood insurance and certain other costs

related to the property such as homeowner's association fees or ground rent. 6. Debts, alimony, and child support obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7. Monthly debt-to-income ratio or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8. Credit history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ii. For loans designated as agency eligible, Consultant will not review for compliance with the requirements

of Appendix Q or General Ability to Repay.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; iii. Consultant reviews loans to determine their conformity with the ATR/QM factors above and is not

rendering an independent assessment or analysis. Consultant's review is based on information contained in the loan file at the time it is provided to Consultant, and only reflects information as of that point in time and does not mean any regulator, judicial or agency will agree with the Consultant's conclusion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **a) Regulatory Compliance Disclaimer** 

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

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. 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 potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client,

or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **b) Seasoning And Certain Compliance Exceptions** 

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims

could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports 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 loan.

**Additional Disclosures and Requirements:** 

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

* Servicing Transfer Disclosure (for applications prior to 10/03/2015): 

Confirm the presence of the Servicing Transfer Disclosure form in file 

Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business days of "Application" 

* Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015): 

Confirm the presence of the Home Loan Tool Kit is in file for covered loans. 

Confirm the Home Loan Tool Kit is provided within three general business days of application 

* Affiliated Business Disclosure 

Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements 

Confirm the Affiliated Business Disclosure provided within three general business days of "Application" (Consultant reviews for this disclosure to be provided within three general business days, as the lender will typically know at the time of application if borrower(s) will be referred to affiliates for provision of third party services) 

Confirm the Affiliated Business Disclosure is executed. 

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* Initial Escrow Disclosure Statement 

Confirm the presence of the Initial Escrow Disclosure Statement in file 

Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement 

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

* Confirm the lender has provided the borrower a disclosure of the right to receive a copy of appraisals within three (3) business days of application. This disclosure requirement may be met by disclosure on the Loan Estimate pursuant to 12CFR § 1026.27(m)(1). 

* Confirm that the lender has provided (delivered) copies of appraisals and all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower at least three (3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation processed at least 6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)? 

* For a borrower that has waived the 3-business day disclosure requirement, confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation or (2) has signed an acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation. 

**Fair Credit Report Act (Regulation V)** 

* Confirm that the lender has provided the borrower the risk-based pricing notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a) If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than the approval decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure was provided before consummation. 

* Confirm that the lender has provided a copy of the disclosure of credit score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation. 

**High-Cost, State & Local Anti-Predatory Regulations** 

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.

* California Higher-Priced Mortgage Loan Statute, 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., as amended from time to time. 

* Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949). 

* District of Columbia Home Loan Protection Act, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq. 

* Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans closed before July 1, 2014). 

* Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by H<u>ous</u>e Bill 02-1361 and as modified by Senate Bill 03-53). 

* Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq. 

* Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10 et seq. 

* Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at 815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014. 

* 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, Cook County Code of Ordinances § 34-341. 

Page 9 of 22

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* Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005). 

* Indiana Home Loan Practic<u>es Act</u>, as amended by HB 1179 (2005), Ind. Code §24-9-1 et seq. 

* Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101 et seq. 

* Kansas Consumer Credit Code 

* Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq. 

* Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages (for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative Documents 1869 (2007), 2125 (2008) and 1439 (2009). 

* Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time. 

* Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12- 409.1; 12-1029. 

* Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law, Md. Code Ann., Fin. In<u>sti</u>t. Code §§ 11-501 et seq.; Md. Code Regs. §§ <u>0</u>9<u>.03.</u>06.01 et seq. 

* Massachusetts High- Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as amended from time to time. 

* Massachusetts Pr<u>eda</u>tory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq. 

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

* Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17). 

* Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§ 32.00 et.seq., as amended from time to time. 

* 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 seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007). 

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

* Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq. 

* New Jersey Home <u>Owne</u>rship Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time. 

* New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003), codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time. 

* New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001). 

* New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time. 

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

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

* Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185 (2006), and as codified in various sections of the Ohio Code. 

* Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as imp<u>le</u>m<u>en</u>ted by Ohio Admin. Rules § 109 4-3-01 et seq. 

* City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, O<u>rd</u>i<u>nan</u>ce No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq. 

* Summit County, Ohio, Anti-Predatory Lending Ordi<u>na</u>n<u>ce,</u> Ordinance No. 2004- 618, Muni. Code §§ 201.01 et seq. 

* Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified in various sections of Title 14A of the 

* Oklahoma Consumer Credit Code. 

* Oklahoma Higher-Pr<u>ic</u>ed 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. 

* Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented by Emergen<u>c</u>y Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007). 

Page 10 of 22

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* City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter 2006-33, Ordinance No. 245. 

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

* Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code Ann. §§ 45-20-101 et seq. 

* Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq. Section 50(a)(6), Article XVI of the Texas Constitution 

* Section 50(f)(2), 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 on or after July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2. 

* Virginia Mortgage Lender and Broker Act (for loans originated on or after October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time. 

* Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified). 

* Washington House Bill 2770, Mortgage Lending Ownership 

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

* Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq. 

* Wyoming Credit Code 

**Flood Insurance Testing** 

**National Flood Insurance Program (NFIP)** 

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)** 

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans Exceptions

* Loan is an extension of credit primarily for business, commercial or agricultural purposes 

* Loan is in a subordinate position to a senior lien secured by the same residential improved real estate or mobile for which the borrower has obtained flood insurance 

* Flood Insurance coverage for the residential real estate is provided by a policy that 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; b. Provided by a condominium association, cooperative or other applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; c. The premium for which is paid by the condominium associate, cooperative, homeowners association, or other group as

a common expense.

**Misrepresentation and Third-Party Review** 

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Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

* Signatures: Validate signature consistency across documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency of signatures across documents. 

* Alerts: Assess credit report alerts for accuracy and potential issues. 

* Social Security Numbers: Compare SSN(s) across all file documents. 

* Document Integrity: Review for apparent alterations to loan documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents. 

* Data Consistency: Review the documents contained in the loan file for consistency of data. 

* Third Party Fraud Tools: To the extent a third party fraud tool is contained in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed. 

**Independent Third-Party Values** 

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

* Property is complete 

* Value is based on as-is condition or provides satisfactory completion of all material conditions including inspections, licenses, and certifications (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. 

* Property is described in average or better condition 

* No apparent appraiser independence violation statements 

* Appraisal addresses any adverse comments 

* Appraisal is completed on appropriate GSE Forms 

* Appraisal contains required attachments. 

* Appraiser was appropriately licensed at the time the appraisal was signed 

If the valuation vendor des not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation vendor to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal.

Value Review Disclaimer

* The individuals performing the above procedures are not person providing valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or Federal or State law. 

* Opus makes no representation or warranty as to the value of the mortgaged property, notwithstanding that Opus may have reviewed the valuation information for reasonableness. 

* Opus is not an Appraisal Management Company ("AMC") and therefore does not opine on the actual value of the underlying property. 

* Opus is not a creditor within the meaning of the Equal Credit Opportunity Act ("ECOA") or other lending laws and 

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* regulations, and therefore Opus will not have and communications with or responsibility to any individual concerning property valuations. 

**Properties in FEMA declared disaster zones.** 

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure:

* No apparent damage to the property

* Property appears to be occupied 

**Data Compare** 

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance

* Appraised Value 

* CLTV 

* DTI 

* FICO 

* Interest Only 

* Interest Rate 

* Loan Term 

* Loan Purpose 

* LTV 

* Occupancy 

* Original Balance 

* Property

* Address 

* Property

* City 

* Property State 

* Property Type 

* Sales Price 

* Second Mortgage Lien Amount 

* Self Employed 

* Units 

* Zip Code 

* Loan Type 

* QM Status 

**Rating Agency Grading Criteria** 

**Fitch Ratings Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

**Moody's Investor Services Grading Criteria** 

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Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.

**Kroll Bond Rating Agency LLC Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.

**S&P Global Ratings Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.

**DBRS Morningstar Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

**Opus Grading Criteria** 

1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:

**Opus Credit Grades** 

* Level 1 Credit Grade Definition: Loan was originated in accordance with the mortgage loan originator underwriting guidelines without exception. 

* Level 2 Credit Grade Definition: Loan was originated in substantial compliance with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions. 

* Level 3 Credit Grade Definition: Loan was not originated in substantial compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing material documentation. 

**Opus Property Grades** 

* Level 1 Property Grade Definition: Property value appears to be within 10% of original appraised amount and there are no material deficiencies in the appraisal process. 

* Level 2 Property Grade Definition: Property value appears to be within 10% of original appraised amount, but minor issues in the appraisal process were identified. 

* Level 3 Property Grade Definition: Property value does not appear to fall within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing material documentation. 

**Opus Compliance Grades** 

* Level 1 Compliance Grade Definition: Loan complies with all applicable laws and regulations reviewed under the applicable scope of work. 

* Level 2 Compliance Grade Definition: There are minor issues regarding legal and/or regulatory compliance but such 

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* issues do not represent risks to the enforceability of the borrower's obligation under the loan documents and will not result in assignee liability to the investor. 

* Level 3 Compliance Grade Definition: Loan is not in compliance with laws and regulations reviewed under the applicable scope of work or the loan is missing material documentation. 

**REDACTED INFORMATION** 

* Borrower Name 

* Co-Borrower Name 

* SSNs 

* Property Address, City, County, MSA, Zip 

* Mailing Address 

* Account Number, including Originator and Servicer Loan Number 

* Origination Date 

* Names of Borrowers or any other Individuals 

* Company and Entity Names 

* Financial Institution Names 

* Job Position Titles 

* Any Address 

* Any Location Information (other than state), including City, County, MSA and Zip 

* Account Numbers of any type 

* Insurance Claim Numbers 

* Insurance Policy Numbers 

* Foreclosure Action dates and Case Numbers 

* Bankruptcy Action dates and Case Numbers 

* Any reference that would allow the identification of the location of a property (e.g. neighborhood, body of water, schools, major highways) 

**DSCR Loan Review** 

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client (the "<u>Underwriting Guidelines</u>") are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review guidelines will consist of the following:

**Borrower Underwriting:** 

* **Borrower Liquidity:** Review and confirm borrower's liquidity position adheres to Underwriting Guidelines. 

* **Credit / Background Check:** Review and confirm each guarantor and/or owner of the borrowing entity requirements meet Underwriting Guidelines, including OFAC. 

* **Property management questionnaire:** Review the questionnaire to confirm management experience meets Underwriting Guidelines. 

* **Borrowing Entity:** Confirm the entity is in good standing and duly formed (if applicable documents are in the file). Verify the individual signing on behalf of the organization has the authority to bind the entity (if applicable documents are in the file).

* **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC meets Underwriting Guidelines per Underwriting 

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* Guidelines. 

* **Permitted Loan Terms:** Confirm the loan terms are eligible per the Underwriting Guidelines. 

* **Property Requirements and Market Requirements:** Confirm the loan Property and Market Requirements are eligible per 

the Underwriting Guidelines.

* **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation of DSCR 

**Title Insurance Requirements are met per Guidelines only as follows** 

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

* **Condominium Eligibility:** Confirm Condo Master Policy is present and meets the Underwriting Guidelines 

* **Property Insurance:** Confirm each mortgaged property has a policy in place and proper coverage amount in adherence to the Underwriting Guidelines. 

* **Preliminary/Commitment Title:** Review and confirm first lien holder position, validate no loan file discrepancies, delinquent taxes, and/or additional liens at time of consummation. 

**Credit Document Check** 

* Loan Application: Verify the presence and completeness of both the initial and final loan applications. 

* Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines. 

* Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form. 

* Letters of Explanation: When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file. 

* Gift Letters: When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file. 

* Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file. 

* Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines. 

* Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines. 

**Compliance** 

* No compliance testing for the DSCR review. 

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**<u>Pool Details</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Product Type** | &nbsp;&nbsp; **Product Type** | &nbsp;&nbsp; **Product Type** |
| &nbsp;&nbsp; Type | &nbsp;&nbsp; Count | &nbsp;&nbsp; % of Pool |
| &nbsp;&nbsp; Fixed | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 100.00% |
| &nbsp;&nbsp; ARM | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp; Total | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 100.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Occupancy** | &nbsp;&nbsp; **Occupancy** | &nbsp;&nbsp; **Occupancy** |
| &nbsp;&nbsp; Type | &nbsp;&nbsp; Count | &nbsp;&nbsp; % of Pool |
| &nbsp;&nbsp; Primary Residence | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp; Second Home | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp; Investment Property | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 100.00% |
| &nbsp;&nbsp; Total | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 100.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Property Type** | &nbsp;&nbsp; **Property Type** | &nbsp;&nbsp; **Property Type** |
| &nbsp;&nbsp; Type | &nbsp;&nbsp; Count | &nbsp;&nbsp; % of Pool |
| &nbsp;&nbsp; Single Family Detached | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 100.00% |
| &nbsp;&nbsp; Co-op | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp; Condo, Low Rise | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp; Condo, High Rise | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp; PUD | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp; 1 Family Attached | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp; 2 Family | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp; 3 Family | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp; 4 Family | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp; Total | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 100.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Purpose** | &nbsp;&nbsp; **Purpose** | &nbsp;&nbsp; **Purpose** |
| &nbsp;&nbsp; Type | &nbsp;&nbsp; Count | &nbsp;&nbsp; % of Pool |
| &nbsp;&nbsp; Cash out Refi | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 100.00% |
| &nbsp;&nbsp; Purchase | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp; Rate / Term Refi | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp; Total | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 100.00% |

---

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**<u>Tape Discrepancies</u>**

No Tape Discrepancies were noted for this 1 loan.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Data Element**  | &nbsp;&nbsp; **Count**  | &nbsp;&nbsp; **Accuracy**  |
| &nbsp;&nbsp; **Total Loan Population**  | &nbsp;&nbsp; **1**  | &nbsp;&nbsp; **100%**  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were no obligors with multiple loans in the pool.

**Property Inspection Waivers:** No loans had a Property Inspection Waiver.

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; S&P  | &nbsp;&nbsp; Moody's  | &nbsp;&nbsp; Fitch  | &nbsp;&nbsp; Kroll  | &nbsp;&nbsp; DBRS  | &nbsp;&nbsp; Definition  |
| &nbsp;&nbsp; A  | &nbsp;&nbsp; A  | &nbsp;&nbsp; A  | &nbsp;&nbsp; A  | &nbsp;&nbsp; A  | &nbsp;&nbsp; Loan conforms to all applicable guidelines, no conditions noted  |
| &nbsp;&nbsp; B  | &nbsp;&nbsp; B  | &nbsp;&nbsp; B  | &nbsp;&nbsp; B  | &nbsp;&nbsp; B  | &nbsp;&nbsp; Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors  |
| &nbsp;&nbsp; C  | &nbsp;&nbsp; C  | &nbsp;&nbsp; C  | &nbsp;&nbsp; C  | &nbsp;&nbsp; C  | &nbsp;&nbsp; The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors  |
| &nbsp;&nbsp; D  | &nbsp;&nbsp; D  | &nbsp;&nbsp; D  | &nbsp;&nbsp; D  | &nbsp;&nbsp; D  | &nbsp;&nbsp; The loan file is missing critical documentation required to perform the review  |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; S&P  | &nbsp;&nbsp; Moody's  | &nbsp;&nbsp; Kroll  | &nbsp;&nbsp; DBRS  | &nbsp;&nbsp; Definition  |
| &nbsp;&nbsp; A  | &nbsp;&nbsp; A  | &nbsp;&nbsp; A  | &nbsp;&nbsp; A  | &nbsp;&nbsp; The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations  |
| &nbsp;&nbsp; B  | &nbsp;&nbsp; B  | &nbsp;&nbsp; B  | &nbsp;&nbsp; B  | &nbsp;&nbsp; The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist  |
| &nbsp;&nbsp; C  | &nbsp;&nbsp; C  | &nbsp;&nbsp; C  | &nbsp;&nbsp; C  | &nbsp;&nbsp; The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations  |
| &nbsp;&nbsp; D  | &nbsp;&nbsp; D  | &nbsp;&nbsp; D  | &nbsp;&nbsp; D  | &nbsp;&nbsp; The loan file is missing critical documentation required to perform the review  |

---

Page 18 of 22

------

---

| | |
|:---|:---|
| &nbsp;&nbsp; Fitch  | &nbsp;&nbsp; Definition  |
| &nbsp;&nbsp; A  | &nbsp;&nbsp; The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations  |
| &nbsp;&nbsp; B  | &nbsp;&nbsp; The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented  |
| &nbsp;&nbsp; C  | &nbsp;&nbsp; The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations  |
| &nbsp;&nbsp; D  | &nbsp;&nbsp; The loan file is missing critical documentation required to perform the review  |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp; Moody's  | &nbsp;&nbsp; Definition  |
| &nbsp;&nbsp; A  | &nbsp;&nbsp; Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete.  |
| &nbsp;&nbsp; B  | &nbsp;&nbsp; Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability  |
| &nbsp;&nbsp; C  | &nbsp;&nbsp; Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines  |
| &nbsp;&nbsp; D  | &nbsp;&nbsp; The loan file was missing the appraisal and/or other valuations products needed to complete the review  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp; S&P  | &nbsp;&nbsp; Definition  |
| &nbsp;&nbsp; A  | &nbsp;&nbsp; First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete.  |
| &nbsp;&nbsp; B  | &nbsp;&nbsp; First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability  |
| &nbsp;&nbsp; C  | &nbsp;&nbsp; Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines  |
| &nbsp;&nbsp; D  | &nbsp;&nbsp; The loan file was missing the appraisal and/or other valuations products needed to complete the review  |

---

Page 19 of 22

------

**<u>Loan Review Findings</u>**

&nbsp;&nbsp;&nbsp;&nbsp; The following summarizes Consultant's final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated April 07, 2026.

**Overall Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp; **# of Loans** | &nbsp;&nbsp; **% of Loans** |
| &nbsp;&nbsp; A | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 100.00% |
| &nbsp;&nbsp; B | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp; C | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp; D | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |

---

**Compliance Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp; **# of Loans** | &nbsp;&nbsp; **% of Loans** |
| &nbsp;&nbsp; A | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 100.00% |
| &nbsp;&nbsp; B | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp; C | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp; D | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |

---

**Credit Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp; **# of Loans** | &nbsp;&nbsp; **% of Loans** |
| &nbsp;&nbsp; A | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 100.00% |
| &nbsp;&nbsp; B | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp; C | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp; D | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |

---

**Property Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp; **# of Loans** | &nbsp;&nbsp; **% of Loans** |
| &nbsp;&nbsp; A | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 100.00% |
| &nbsp;&nbsp; B | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp; C | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp; D | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |

---

Page 20 of 22

------

**Overall Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **S&P NRSRO Grade** | &nbsp;&nbsp; **# of Loans** | &nbsp;&nbsp; **% of Loans** |
| &nbsp;&nbsp; A | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 100.00% |
| &nbsp;&nbsp; B | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp; C | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp; D | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |

---

**Compliance Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **S&P NRSRO Grade** | &nbsp;&nbsp; **# of Loans** | &nbsp;&nbsp; **% of Loans** |
| &nbsp;&nbsp; A | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 100.00% |
| &nbsp;&nbsp; B | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp; C | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp; D | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |

---

**Credit Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **S&P NRSRO Grade** | &nbsp;&nbsp; **# of Loans** | &nbsp;&nbsp; **% of Loans** |
| &nbsp;&nbsp; A | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 100.00% |
| &nbsp;&nbsp; B | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp; C | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp; D | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |

---

**Property Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **S&P NRSRO Grade** | &nbsp;&nbsp; **# of Loans** | &nbsp;&nbsp; **% of Loans** |
| &nbsp;&nbsp; A | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 100.00% |
| &nbsp;&nbsp; B | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp; C | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp; D | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0.00% |

---

Page 21 of 22

------

**<u>Loans Reviewed (1)</u>**

---

| |
|:---|
| &nbsp;&nbsp; **Loan Number**  |
| &nbsp;&nbsp; <br> 260420021 <br>|

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

Page 22 of 22

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## Exhibit 99.22

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 260420021 |  |  | XXXXX<br> A |

---

## Exhibit 99.23

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM DTI/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?** |
| 260420021 |  |  | XX-XX-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 |

---

## Exhibit 99.24

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 | 269 |
| **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 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)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Maturity Date** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| 260420021 |  |  | DSCR | XXXXX - XXXXX XXXXX DSC 30yr Fixed | XXXXX | No | XXXXXDSCR Guidelines | XXXXX | XX/XX/XXXX | v9 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.490% | 7.490% | $X,XXX.XX | No |  | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $0.00 | $0.00 | $0.00 | $X,XXX.XX |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.731 | 1.73 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXX | XXXXX | XX | XXXXX-XXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | XXXXX.XX | 72.8 | No | 35.66 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A | XX-XX-XXXX |  |  |  |  |

---

## Exhibit 99.25

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** | **Primary Appraisal Occupancy** |
| 260420021 |  |  | XXXXX | DSCR | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | XXXXX | Appraisal - 1007 |  |  |  |  | XXXXX | Appraisal - 1007 | No | 57.76 | 1.73 | 1.731 | XXXX.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXX |  |  |  | XXXX |  |  |  |  |  |  |  | No | 20.9 | 1 | 1 | N/A | XX.XX | No |  |  | Vested Individual | XXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |

---

## Exhibit 99.26

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 Appraisal Company** | **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** |
| 260420021 |  |  | XX-XX-XXXX | XXXXX |  | 0 | XXXXX | XX-XX-XXXX | 1004 URAR |  | XXXXX | XXXXX | XXXXX | XX.XX% | XX.XX% | XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX-XX-XXXX |

---

## Exhibit 99.27

![](clarifii_logo.jpg)

#### EXECUTIVE SUMMARY

#### SPIRE 2026-2

#### By Clarifii LLC on April 22, 2026

SPIRE 2026-2 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 1

------

#### <br>

#### CLARIFII CONTACT INFORMATION

---

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

---

#### OVERVIEW

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 114 Loans (the "Loans") originated by a correspondent lender and acquired by Aspire Sponsor, LLC (the "Client") or its affiliates for the SPIRE 2026-2 transaction. The loan were selected for the SPIRE 2026-2 transaction by Aspire Sponsor, LLC. The Loans referenced in this narrative report were reviewed between 06/2025 to 03/2026 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

#### ORIGINATORS

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **% of Pool** | **Original Balance** |
| Retail | 31 | 27.19% | $20871720.00 |
| Correspondent Flow with Delegated UW | 5 | 4.39% | $3032200.00 |
| Wholesale | 78 | 68.42% | $39028788.00 |
| **Total** | **114** | **100.00%** | **$62932708.00** |

---

The Review consisted of a population of 114 Loans, with an aggregate principal balance of $62,932,708.00.

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:

SPIRE 2026-2 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 2

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![](clarifii_logo.jpg)

---

| | |
|:---|:---|
| **Identity of NRSRO** | **Title and Date of Criteria** |
| Fitch Ratings, Inc. | U.S. RMBS Rating Criteria, October 1, 2025 |
| Kroll Bond Rating Agency, LLC | U.S. RMBS Rating Methodology, December 7, 2023 |

---

#### 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.

---

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

---

SPIRE 2026-2 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 3

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![](clarifii_logo.jpg)

---

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

---

SPIRE 2026-2 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 4

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![](clarifii_logo.jpg)

---

| |
|:---|
| Borrower 2 Years in Current Home |
| Calculated DSCR |
| Cash Disbursement Date |
| Cash out Include Debt Paid at Close |
| FHA Streamline/VA IRRL Indicator |
| Final Reviewed QM Status |
| First Payment Date |
| Initial Monthly P&I Or IO Payment |
| Interest Only Flag |
| Interest Only Term |
| Interest Rate |
| Investor Loan ID |
| Lien Position |
| Loan Amount |
| Loan ID |
| Loan Origination Company |
| Loan Origination Company NMLS |
| Loan Program |
| Loan Purpose |
| Loan Type |
| Maturity Date |
| MIN No |
| Monthly Hazard Insurance Premium |
| Monthly Property Tax Amount |
| Negative Amortization Flag |
| Note Date |
| Note Type |
| Number of Borrowers |
| Number of Mortgaged Properties |
| Number of Units |
| Occupancy |
| Origination Foreclosure Flag |
| Originator Doc Type |
| Originator QM Status |
| Payment Frequency |
| Prepayment Penalty Flag |
| Prepayment Penalty Total Term |
| Primary Appraised Property Value |
| Property Address |
| Property City |
| Property County |
| Property Rights |
| Property State |

---

SPIRE 2026-2 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 5

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![](clarifii_logo.jpg)

---

| |
|:---|
| Property Type |
| Property Value |
| Property Zip Code |
| Proposed Housing Expense |
| Qualifying Amortization Term |
| Qualifying CLTV |
| Qualifying FICO |
| Qualifying Housing Debt Income Ratio |
| Qualifying LTV |
| Qualifying Total Debt Income Ratio |
| Qualifying Total Housing Expense PITIA |
| Qualifying Total Reserves Number of Months |
| Refinance Type |
| Sales Price |
| Seller Loan ID |
| Subject Property Gross Rental income |
| Term |
| Total Qualified Assets Available For Reserves |
| Total Qualifying Income |
| ULI |
| Underwriting Guideline Name |
| Verified Doc Type |

---

#### 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:

<br> - Assets and Reserves

<br> - Gross Income

<br> - Lien Position

<br> - Loan Purpose

<br> - Housing History

<br> - Loan to Value Ratio (LTV) and Combined Loan to Value Ratio (CLTV)

<br> - Monthly Debt

<br> - Occupancy

<br> - Property Type

<br> - Qualifying principal, interest, tax, insurance, and association dues (PITIA)

<br> - Debt to Income Ratio (DTI)

<br> - Residual Income

<br> - Debt Service Coverage Ratio (DSCR)

SPIRE 2026-2 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 6

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![](clarifii_logo.jpg)

• **Credit Application** 

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

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

<br> - Borrower(s) employment history

<br> - Citizenship and eligibility

<br> - First time home buyer status

<br> - The application was signed by all borrowers

<br> - The application was substantially complete

• **Credit History**

Clarifii verified the following items:

<br> - A credit report or alternative credit history as applicable to Loan type is present for each borrower

<br> - Bankruptcy and foreclosure seasoning

<br> - Captured the monthly consumer debt payments for use in the applicable DTI calculation

<br> - Installment and revolving payment history

<br> - Mortgage/Rental payment history

<br> - Verified and reviewed Real Estate Owned, Office of Foreign Assets Control (OFAC) search, and Fraud Alerts

<br> - Number of tradelines

<br> - Credit Score(s) and Qualifying Score Methodology

• **Employment and Income**

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

<br> - Tax returns

<br> - Financial statements

<br> - Paystubs

<br> - IRS Form W-2s

<br> - IRS Form 1099

<br> - IRS documents

<br> - Bank statements

<br> - Lease agreements

<br> - Award letters

<br> - Other documentation in Loan file

SPIRE 2026-2 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 7

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![](clarifii_logo.jpg)

• **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:

<br> - Borrower identity

<br> ◾ Social Security inconsistencies

<br> ◾ Borrower name variations

<br> - Occupancy

<br> ◾ Borrower address history

<br> ◾ Subject property ownership history

<br> - Employment

<br> - Licensing verification with the Nationwide Multistate Licensing System & Registry (NMLS):

<br> ◾ Mortgage lender/originator

<br> ◾ Loan officer

<br> - 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:

<br> - Verification of deposits (VOD)

<br> - Depository account statements

<br> - Stock or security account statements

<br> - Gift funds

<br> - Settlements statements

<br> - Other evidence of conveyance and transfer of funds if a sale of assets was involved

<br> - Other documentation in Loan file

<br> - Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds

• **Property Insurance and Taxes**

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

<br> - Confirmed that the flood certification is for the correct borrower, property, lender, and Loan number and is a "Life of Loan" certification

<br> - 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<br>

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

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<br>

<br> - 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<br>

SPIRE 2026-2 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 8

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![](clarifii_logo.jpg)

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

<br> - Calculated DSCR, as required by guidelines

<br> - 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<br>

#### 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**

#### 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)

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• **Compliance Documentation Requirements**

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

<br> - Initial and final application (1003)

<br> - Note, including all addendums

<br> - Copy of note for any junior liens (if applicable)

<br> - Mortgage / Deed of Trust, including all riders

<br> - Initial, Interim, and Final Loan Estimates (LE)

<br> - 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)

<br> - Notice of Right to Cancel (when applicable)

<br> - Rate Lock Date

<br> - HOEPA Disclosures (when applicable)

<br> - 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)**<br>

Reviewed and compared LEs and CDs with a report outlining any TILA violations, including a recalculation of disclosed finance charges, principal and interest calculations, proper completion of the Projected Payments table, total of payments, finance charges, amount financed, recalculation of disclosed APR and a review to determine if disclosuredifferences 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**<br>

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**<br>

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.

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

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**<br>

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**<br>

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**<br>

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| | |
|:---|:---|
| ◾ | ***Mandatory Arbitration*** – Clarifii reported mandatory arbitration provisions present in the Loan file. |

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| | |
|:---|:---|
| ◾ | ***Single Premium Credit Insurance*** – Clarifii reported single premium credit insurance policies or debt cancellation agreements present in the Loan file. |

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|:---|:---|
| ◾ | ***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:

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

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

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

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

<br> - 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).

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

<br> - 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.

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

<br> - 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).

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

<br> - Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code § 345.10 et seq. (Repealed)

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

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

<br> - 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.

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

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

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

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

<br> - 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.

<br> - 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).

<br> - 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.

<br> - 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.

<br> - Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

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

<br> - Massachusetts Regulations for Higher Priced Mortgage Loans, 209 Mass. Code Regs. §§ 32.00 et seq.

<br> - Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

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

<br> - 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).

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

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

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

<br> - 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.

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

<br> - 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).

<br> - New York Subprime Home Loans, NY Bank. Law § 6-m.

<br> - 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.

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

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

<br> - City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003.

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

<br> - Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003).

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

<br> - Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

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

<br> - 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).

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

<br> - South Carolina Consumer Protection Code, S.C. Code 37-1-101 et seq.

<br> - Tennessee Home Loan Protection Act of 2006, TN Code Annotated, Title 47 et seq.

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

<br> - The disclosure requirements and prohibitions of Section 50(a)(6) and 50(f)(2) of Article XVI of the Texas Constitution

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

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

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

<br> - 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.

<br> - 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.

<br> - Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008.

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

<br> - Wisconsin Responsible High Cost Mortgage Lending Act, Wis. Stat. § 428.202.

<br> - Wyoming Credit Code, Wyo. Stat. Ann. §§ 40-14-101 et seq.

• **Business Purpose Loan Compliance Review**

<br> - Non-Owner Occupied Declaration Disclosure

<br> a. Verify reflects correct address

<br> b. Verify application address is different from subject property

<br> c. Verify executed by all borrowers

<br> - Review Note accuracy and properly executed

<br> - Review Mortgage and applicable riders for accuracy and properly executed

<br> - Occupancy Letter (must state that borrower(s) will not reside in the property

<br> - HMDA section (Information for Government Monitoring Purposes) of the application (initial and/or final)

<br> - If property is in a flood zone, Flood Notice must be provided prior to closing

<br> - Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

<br> - Letter of Explanation detailing the use of proceeds.

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<br> - Borrower's statement of purpose for the Loan.

<br> - State License requirements when applicable

<br> - 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.

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.

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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. <br>

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

Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

• **Uniform Standards of Professional Appraisal Practice (USPAP)**

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

INDEPENDENT THIRD-PARTY VALUES

Clarifii applied a cascade methodology to 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.

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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:

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| | | | |
|:---|:---|:---|:---|
| **Valuation Product** | **# of Files – No Hit** | **# of Files > -10% Variance to OA or Confidence < 80%** | **Number of Files within -10% of OA or Acceptable UCDP Risk Score \*** |
| No Secondary Product | 0 | 0 | 0 |
| AVM | 0 | 0 | 5 |
| BPO | 0 | 0 | 0 |
| LCA and/or CU Score <=2.5 | 0 | 0 | 55 |
| Desk Review | 0 | 0 | 54 |
| Field Review | 0 | 0 | 0 |
| Second Full Appraisal | 0 | 0 | 0 |

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#### DUE DILIGENCE GRADING CRITERIA
Upon completion of the Loan file due diligence review, Clarifii assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, clients, and rating agency requirements.

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

#### Final Event Grade

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

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#### Credit Event Grade

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

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**C** The Loan does not materially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets, or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the Loan were not documented or are unreasonable.

**D** There was not sufficient documentation to perform a review, or the credit file was not furnished.

#### Valuation Event Grade

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

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Compliance Event Grade

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

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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

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| | | |
|:---|:---|:---|
| **Overall Review Results** | **Overall Review Results** | **Overall Review Results** |
| **Overall Grade** | **Loan Count** | **% of Sample** |
| A | 89 | 78.07% |
| B | 25 | 21.93% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **114** | **100.00%** |

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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

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| | | |
|:---|:---|:---|
| **Credit Grade Summary** | **Credit Grade Summary** | **Credit Grade Summary** |
| **Credit Grade** | **Loan Count** | **% of Sample** |
| A | 94 | 82.46% |
| B | 20 | 17.54% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **114** | **100.00%** |

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#### Final Property Valuation Grade Results

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| | | |
|:---|:---|:---|
| **Property Grade Summary** | **Property Grade Summary** | **Property Grade Summary** |
| **Property Grade** | **Loan Count** | **% of Sample** |
| A | 114 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **114** | **100.00%** |

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Final Regulatory Compliance Grade Results

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| | | |
|:---|:---|:---|
| **Compliance Grade Summary** | **Compliance Grade Summary** | **Compliance Grade Summary** |
| **Compliance Grade** | **Loan Count** | **% of Sample** |
| A | 107 | 93.86% |
| B | 7 | 6.14% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **114** | **100.00%** |

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#### ADDITIONAL LOAN SUMMARY DETAILS

#### Amortization Type

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| | | | |
|:---|:---|:---|:---|
| **Amortization Type** | **Loan Count** | **% of Pool** | **Original Balance** |
| ARM | 1 | 0.88% | $1012500.00 |
| Fixed | 113 | 99.12% | $61920208.00 |
| **Total** | **114** | **100.00%** | **$62932708.00** |

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#### Occupancy

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| | | | |
|:---|:---|:---|:---|
| **Occupancy** | **Loan Count** | **% of Pool** | **Original Balance** |
| Primary Residence | 44 | 38.60% | $26198843.00 |
| Second Home | 2 | 1.75% | $2415000.00 |
| Investment | 68 | 59.65% | $34318865.00 |
| **Total** | **114** | **100.00%** | **$62932708.00** |

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#### Loan Purpose

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| | | | |
|:---|:---|:---|:---|
| **Loan Purpose** | **Loan Count** | **% of Pool** | **Original Balance** |
| Refinance | 56 | 49.12% | $27239475.00 |
| Purchase | 58 | 50.88% | $35693233.00 |
| **Total** | **114** | **100.00%** | **$62932708.00** |

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#### Lien Position

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| | | | |
|:---|:---|:---|:---|
| **Lien Position** | **Loan Count** | **% of Pool** | **Original Balance** |
| 1 | 114 | 100.00% | $62932708.00 |
| **Total** | **114** | **100.00%** | **$62932708.00** |

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Original Term

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| | | | |
|:---|:---|:---|:---|
| **Original Term** | **Loan Count** | **% of Pool** | **Original Balance** |
| 480 | 4 | 3.51% | $1808750.00 |
| 360 | 110 | 96.49% | $61123958.00 |
| **Total** | **114** | **100.00%** | **$62932708.00** |

---

#### 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

---

| | | | |
|:---|:---|:---|:---|
| **Data Comparison Field** | **Loans With Discrepancy** | **Total Times Compared** | **Accuracy %** |
| Amortization Term | 0 | 47 | 100.00% |
| Amount of Other Lien | 3 | 23 | 86.96% |
| Application Date | 13 | 38 | 65.79% |
| ARM Initial Fixed Rate Period | 0 | 1 | 100.00% |
| ARM Subsequent Interest Rate Change Frequency | 0 | 1 | 100.00% |
| Balloon Flag | 0 | 38 | 100.00% |
| Borrower 1 Any Outstanding Judgments? | 0 | 38 | 100.00% |
| Borrower 1 Any part of down payment borrowed? | 0 | 32 | 100.00% |
| Borrower 1 Bankruptcy in past 7 years? | 0 | 73 | 100.00% |
| Borrower 1 Birthdate | 0 | 38 | 100.00% |
| Borrower 1 Citizen | 0 | 38 | 100.00% |
| Borrower 1 Country Name | 7 | 38 | 81.58% |
| Borrower 1 Credit Report Date | 2 | 35 | 94.29% |
| Borrower 1 Do you intend to occupy property as primary residence? | 2 | 38 | 94.74% |
| Borrower 1 Email or Internet | 0 | 9 | 100.00% |
| Borrower 1 Employer 1 Position | 0 | 18 | 100.00% |
| Borrower 1 Employer 1 Years in Line of Work | 2 | 18 | 88.89% |
| Borrower 1 Employer 2 Position | 0 | 8 | 100.00% |
| Borrower 1 Employer 2 Self-Employment Flag | 0 | 8 | 100.00% |
| Borrower 1 Employer 3 Self-Employment Flag | 0 | 1 | 100.00% |
| Borrower 1 Ethnicity - I do not wish to provide this information | 0 | 38 | 100.00% |
| Borrower 1 Ethnicity - Not Hispanic or Latino | 0 | 26 | 100.00% |
| Borrower 1 Ethnicity Visual Observation or Surname | 0 | 25 | 100.00% |
| Borrower 1 First Name | 0 | 114 | 100.00% |
| Borrower 1 Foreclosure in past 7 years? | 0 | 38 | 100.00% |

---

SPIRE 2026-2 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 20

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![](clarifii_logo.jpg)

---

| | | | |
|:---|:---|:---|:---|
| Borrower 1 FTHB | 2 | 36 | 94.44% |
| Borrower 1 Has there been ownership in a property in last 3 yrs | 1 | 8 | 87.50% |
| Borrower 1 How was title held? | 2 | 16 | 87.50% |
| Borrower 1 Last Name | 1 | 114 | 99.12% |
| Borrower 1 Marital Status | 0 | 27 | 100.00% |
| Borrower 1 Middle Name | 0 | 6 | 100.00% |
| Borrower 1 Name of Employer1 | 0 | 18 | 100.00% |
| Borrower 1 Name of Employer 2 | 0 | 8 | 100.00% |
| Borrower 1 Name of Employer 3 | 0 | 1 | 100.00% |
| Borrower 1 Originator Citizenship Designation | 0 | 28 | 100.00% |
| Borrower 1 Other Income | 1 | 9 | 88.89% |
| Borrower 1 Qualifying Income | 0 | 19 | 100.00% |
| Borrower 1 Race - I do not wish to provide this information | 0 | 38 | 100.00% |
| Borrower 1 Race - White | 0 | 24 | 100.00% |
| Borrower 1 Rent or Own | 1 | 34 | 97.06% |
| Borrower 1 Self-Employment Flag | 1 | 18 | 94.44% |
| Borrower 1 Sex - Female | 0 | 10 | 100.00% |
| Borrower 1 Sex - I do not wish to provide this information | 0 | 38 | 100.00% |
| Borrower 1 Sex - Male | 0 | 19 | 100.00% |
| Borrower 1 Sex Visual Observation or Surname | 0 | 5 | 100.00% |
| Borrower 1 SSN | 0 | 69 | 100.00% |
| Borrower 1 Telephone Interview | 0 | 18 | 100.00% |
| Borrower 1 Years in Current Home | 6 | 31 | 80.65% |
| Borrower 2 Birthdate | 0 | 7 | 100.00% |
| Borrower 2 Citizen | 0 | 7 | 100.00% |
| Borrower 2 Do you intend to occupy property as primary residence? | 1 | 7 | 85.71% |
| Borrower 2 Email or Internet | 0 | 2 | 100.00% |
| Borrower 2 Employer 1 Position | 0 | 4 | 100.00% |
| Borrower 2 Employer 1 Years in Line of Work | 1 | 4 | 75.00% |
| Borrower 2 Ethnicity - I do not wish to provide this information | 1 | 7 | 85.71% |
| Borrower 2 Ethnicity - Not Hispanic or Latino | 0 | 4 | 100.00% |
| Borrower 2 Ethnicity Visual Observation or Surname | 0 | 3 | 100.00% |
| Borrower 2 First Name | 0 | 17 | 100.00% |
| Borrower 2 Last Name | 0 | 17 | 100.00% |
| Borrower 2 Marital Status | 0 | 5 | 100.00% |
| Borrower 2 Middle Name | 0 | 1 | 100.00% |
| Borrower 2 Name of Employer1 | 0 | 4 | 100.00% |
| Borrower 2 Race - I do not wish to provide this information | 0 | 6 | 100.00% |

---

SPIRE 2026-2 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 21

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![](clarifii_logo.jpg)

---

| | | | |
|:---|:---|:---|:---|
| Borrower 2 Race - White | 0 | 4 | 100.00% |
| Borrower 2 Rent or Own | 0 | 6 | 100.00% |
| Borrower 2 Self-Employment Flag | 0 | 4 | 100.00% |
| Borrower 2 Sex - Female | 0 | 3 | 100.00% |
| Borrower 2 Sex - I do not wish to provide this information | 0 | 6 | 100.00% |
| Borrower 2 Sex - Male | 0 | 2 | 100.00% |
| Borrower 2 Sex Visual Observation or Surname | 0 | 1 | 100.00% |
| Borrower 2 SSN | 0 | 13 | 100.00% |
| Borrower 2 Telephone Interview | 0 | 3 | 100.00% |
| Borrower 2 Years in Current Home | 2 | 6 | 66.67% |
| Calculated DSCR | 3 | 57 | 94.74% |
| Cash Disbursement Date | 2 | 39 | 94.87% |
| Cash out Include Debt Paid at Close | 0 | 2 | 100.00% |
| FHA Streamline/VA IRRL Indicator | 0 | 38 | 100.00% |
| Final Reviewed QM Status | 5 | 28 | 82.14% |
| First Payment Date | 0 | 76 | 100.00% |
| Initial Monthly P&I Or IO Payment | 0 | 39 | 100.00% |
| Interest Only Flag | 0 | 41 | 100.00% |
| Interest Only Term | 0 | 15 | 100.00% |
| Interest Rate | 1 | 114 | 99.12% |
| Investor Loan ID | 0 | 114 | 100.00% |
| Lien Position | 0 | 69 | 100.00% |
| Loan Amount | 0 | 99 | 100.00% |
| Loan ID | 0 | 114 | 100.00% |
| Loan Origination Company | 0 | 33 | 100.00% |
| Loan Origination Company NMLS | 0 | 27 | 100.00% |
| Loan Program | 0 | 67 | 100.00% |
| Loan Purpose | 0 | 114 | 100.00% |
| Loan Type | 9 | 38 | 76.32% |
| Maturity Date | 1 | 47 | 97.87% |
| MIN No | 0 | 36 | 100.00% |
| Monthly Hazard Insurance Premium | 0 | 9 | 100.00% |
| Monthly Property Tax Amount | 0 | 9 | 100.00% |
| Negative Amortization Flag | 0 | 38 | 100.00% |
| Note Date | 1 | 44 | 97.73% |
| Note Type | 0 | 41 | 100.00% |
| Number of Borrowers | 0 | 38 | 100.00% |
| Number of Mortgaged Properties | 9 | 38 | 76.32% |
| Number of Units | 2 | 86 | 97.67% |
| Occupancy | 0 | 105 | 100.00% |
| Origination Foreclosure Flag | 0 | 36 | 100.00% |
| Originator Doc Type | 0 | 3 | 100.00% |
| Originator QM Status | 4 | 34 | 88.24% |

---

SPIRE 2026-2 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 22

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![](clarifii_logo.jpg)

---

| | | | |
|:---|:---|:---|:---|
| Payment Frequency | 0 | 36 | 100.00% |
| Prepayment Penalty Flag | 0 | 36 | 100.00% |
| Prepayment Penalty Total Term | 0 | 35 | 100.00% |
| Primary Appraised Property Value | 0 | 67 | 100.00% |
| Property Address | 0 | 113 | 100.00% |
| Property City | 1 | 113 | 99.12% |
| Property County | 0 | 73 | 100.00% |
| Property Rights | 0 | 29 | 100.00% |
| Property State | 0 | 113 | 100.00% |
| Property Type | 0 | 77 | 100.00% |
| Property Value | 2 | 38 | 94.74% |
| Property Zip Code | 0 | 113 | 100.00% |
| Proposed Housing Expense | 0 | 1 | 100.00% |
| Qualifying Amortization Term | 0 | 3 | 100.00% |
| Qualifying CLTV | 2 | 31 | 93.55% |
| Qualifying FICO | 4 | 74 | 94.59% |
| Qualifying Housing Debt Income Ratio | 0 | 3 | 100.00% |
| Qualifying LTV | 2 | 67 | 97.01% |
| Qualifying Total Debt Income Ratio | 5 | 38 | 86.84% |
| Qualifying Total Housing Expense PITIA | 1 | 3 | 66.67% |
| Qualifying Total Reserves Number of Months | 15 | 39 | 61.54% |
| Refinance Type | 0 | 16 | 100.00% |
| Sales Price | 0 | 70 | 100.00% |
| Seller Loan ID | 0 | 10 | 100.00% |
| Subject Property Gross Rental income | 1 | 9 | 88.89% |
| Term | 0 | 64 | 100.00% |
| Total Qualified Assets Available For Reserves | 4 | 28 | 85.71% |
| Total Qualifying Income | 1 | 20 | 95.00% |
| ULI | 0 | 30 | 100.00% |
| Underwriting Guideline Name | 0 | 9 | 100.00% |
| Verified Doc Type | 0 | 28 | 100.00% |

---

#### CLARIFII THIRD PARTY REPORTS DELIVERED
Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

SPIRE 2026-2 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 23

------

![](clarifii_logo.jpg)

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.* 

<br>© 2026 Clarifii LLC. All rights reserved.

SPIRE 2026-2 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 24

## Exhibit 99.28

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redaction ID** | **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 Appraisal Company** | **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** |
| 653556 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| 671301 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| 686573 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 686581 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| 713530 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 721961 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 722483 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 728823 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 730607 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 733596 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 743852 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .0147 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0147 | 96.0 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| 746865 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 746866 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| 751130 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| 752515 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XXXX |
| 754668 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | -.0559 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0559 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | XXXX |
| 758252 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | -.0397 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0397 | 97.0 | 0.03 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XXXX |
| 774052 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 778319 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | -.0254 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0254 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781490 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 792231 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| 792232 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| 817405 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 831942 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 832082 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | -.0517 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0517 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| 859953 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | -.0698 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0698 | XXXX | Moderate  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| 864613 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 865346 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| 866779 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 869879 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| 871493 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 871494 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 874059 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| 876284 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 885593 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| 885785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 886514 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 889320 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| 889961 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | -.0070 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| 890682 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| 890816 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 891060 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 891272 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 891277 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| 894860 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 894862 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 896115 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX |
| 896118 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible |  |  |
| 898352 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | -.0262 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0262 | 98.0 | 0.02 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 898353 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| 898360 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 898889 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 899069 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| 900062 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | -.0647 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0647 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900236 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX |
| 900400 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| 900696 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 903334 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | -.0125 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0125 | 97.0 | 0.03 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 903336 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| 903339 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| 903343 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 905906 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| 911384 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 916728 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 917285 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| 917287 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 917397 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 919206 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .0787 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0787 | 94.0 | 0.06 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 920885 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| 924278 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 925390 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 2 | XXXX |
| 926492 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 929226 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 930422 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 934783 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX |
| 935174 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| 935186 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| 936559 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 938122 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .0370 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0370 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 940401 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| 940473 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | XXXX |
| 940500 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 944222 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 944884 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 945546 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .0584 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 945621 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 946705 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| 950165 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 950219 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| 950381 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | -.1000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.1000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 950621 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX |
| 955448 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 957795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| 958244 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| 959452 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 961904 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| 967079 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| 971550 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| 978675 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| 985920 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| 988485 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 988619 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 988678 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 988946 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| 995054 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 995808 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1002791 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 1004376 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 1009915 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1010930 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1011152 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1011215 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.7 | XXXX |
| 1011229 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| 1012581 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | -.0946 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0946 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.29

---

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| **Redaction ID** | **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** | **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 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)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| 653556 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 10.250% |  | XXXX | No |  | XXXX | XXXX | $3393.36 | $282.78 | $0.00 | $0.00 | $0.00 | $10303.47 | $2938752.51 | N/A |  |  | $0.00 |  |  | 0.00% | 3.02% | 3.02% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0.0 | XXXX | 34.9 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 671301 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 17844 | 06/16/2025 | 6.890% | Manual Underwriting |  | No | XXXX |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | $7268.04 | $605.67 | $0.00 | $0.00 | $0.00 | $5130.63 | $13681.05 | N/A |  |  | $0.00 |  |  | 0.00% | 41.82% | 41.82% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 692 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 |  |  |  |  | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | I-551 Permanent Resident Card  |  | XXXX | XXXX |  |  | I-551 Permanent Resident Card  |  | XXXX | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.8 | XXXX | 69.0 | No | 70.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 686573 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 6568.5 | 06/16/2025 | 6.890% | Manual Underwriting |  | No | XXXX |  | 8.999% |  | XXXX | No |  | XXXX | XXXX | $3224.04 | $268.67 | $0.00 | $0.00 | $0.00 | $1573.36 | $1692.64 | N/A |  |  | $0.00 |  |  | 0.00% | 48.17% | 48.17% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | XXXX | 15.0 | No | 55.56 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 686581 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 8.250% |  | XXXX | Yes | 18.000% | XXXX | XXXX | $1731.72 | $144.31 | $324.96 | $27.08 | $0.00 | $2840.24 |  | N/A | XXXX | XX | $27.08 |  | Annually | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 0.915 | 0.91 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National |  | Passport |  | XX | XXXX | XXXX | XXXX | XXXX | I-551 Stamp and Passport |  | XXXX | Foreign National | Foreign National |  | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | I-551 Stamp and Passport |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 19.5 | XXXX | 19.5 | No | 70.0 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| 713530 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 7.500% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $1890.00 | $157.50 | $0.00 | $0.00 | $0.00 | $3839.70 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.107 | 1.107 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 2.4 | XXXX | 2.4 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 721961 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $1385.16 | $115.43 | $0.00 | $0.00 | $0.00 | $4868.41 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.781 | 0.78 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Standard Driver's License - Not for federal use |  | XX | XXXX | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 16.1 | XXXX | 16.1 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 722483 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $1580.16 | $131.68 | $0.00 | $0.00 | $0.00 | $1339.54 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.008 | 1.0 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | XXXX | 68.6 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 728823 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | $10856.76 | $904.73 | $0.00 | $0.00 | $0.00 | $6985.09 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.505 | 1.42 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | N/A | Passport |  | XX | XXXX | XXXX | XXXX | XXXX | I-551 Stamp and Passport |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 11.8 | XXXX | 11.8 | No | 70.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 730607 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 11 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 30338.75 | 07/28/2025 | 6.750% | Manual Underwriting |  | No | XXXX |  | 8.375% |  | XXXX | No |  | XXXX | XXXX | $2805.96 | $233.83 | $0.00 | $0.00 | $0.00 | $11072.01 | $74094.07 | N/A |  |  | $0.00 |  |  | 0.00% | 13.00% | 13.00% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 24 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 14.6 | XXXX | 14.6 | No | 90.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 733596 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | No | No | No | N/A | N/A | 2611 | 08/11/2025 | 6.630% | Manual Underwriting |  | No | XXXX |  | 7.500% |  | XXXX | No |  | XXXX | XXXX | $1233.96 | $102.83 | $0.00 | $0.00 | $0.00 | $3743.87 | $15255.30 | N/A |  |  | $0.00 |  |  | 0.00% | 32.96% | 32.96% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 13.4 | XXXX | 13.4 | No | 90.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 743852 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 6243 | 08/11/2025 | 6.630% | Manual Underwriting |  | No | XXXX |  | 8.500% |  | XXXX | No |  | XXXX | XXXX | $1599.00 | $133.25 | $840.00 | $70.00 | $0.00 | $2022.76 | $5010.02 | N/A | XXXX | XX | $70.00 |  | Monthly | 0.00% | 35.44% | 35.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | N/A | 12 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 |  | XX | XXXX | XXXX |  |  | I-551 Permanent Resident Card  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 17.0 | XXXX | 17.0 | No | 90.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 746865 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 11 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 9728.02 | 08/18/2025 | 6.610% | Manual Underwriting |  | No | XXXX |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $1215.96 | $101.33 | $1644.00 | $137.00 | $0.00 | $6363.10 | $27374.32 | N/A | XXXX | XX | $137.00 |  | Monthly | 0.00% | 18.95% | 18.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 300 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, null Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - null Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 10.2 | XXXX | 10.2 | No | 90.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 746866 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 7945 | 08/11/2025 | 6.630% | Manual Underwriting |  | No | XXXX |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $1302.00 | $108.50 | $3528.00 | $294.00 | $0.00 | $2523.56 | $5295.98 | Yes | XXXX | XX | $294.00 |  | Monthly | 0.00% | 34.04% | 34.04% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 204 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 13.7 | XXXX | 13.7 | No | 90.0 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 751130 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.625% |  | XXXX | No |  | XXXX | XXXX | $3867.96 | $322.33 | $0.00 | $0.00 | $0.00 | $5809.32 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.021 | 1.022 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 23.0 | XXXX | 23.0 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 752515 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 6995 | 08/11/2025 | 6.630% | Manual Underwriting |  | No | XXXX |  | 7.500% |  | XXXX | No |  | XXXX | XXXX | $2600.16 | $216.68 | $0.00 | $0.00 | $0.00 | $2510.84 | $5803.16 | N/A |  |  | $0.00 |  |  | 0.00% | 39.75% | 39.75% | 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 | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7.3 | XXXX | 6.3 | No | 90.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 754668 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 17324.25 | 08/18/2025 | 6.610% | Manual Underwriting |  | No | XXXX |  | 8.125% |  | XXXX | No |  | XXXX | XXXX | $8901.00 | $741.75 | $519.96 | $43.33 | $0.00 | $6322.00 | $29235.57 | N/A | XXXX | XX | $43.33 | 08/29/2026 | Annually | 0.00% | 28.90% | 28.90% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 2 | 0 | 0 | 0 |  |  |  |  | 2 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 12.4 | XXXX | 12.4 | No | 90.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 758252 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 30480.9 | 08/18/2025 | 6.610% | Manual Underwriting |  | No | XXXX |  | 8.125% |  | XXXX | No |  | XXXX | XXXX | $2106.96 | $175.58 | $0.00 | $0.00 | $0.00 | $12148.00 | $38720.84 | N/A |  |  | $0.00 |  |  | 0.00% | 36.72% | 36.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 300 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 12.5 | XXXX | 12.5 | No | 90.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 774052 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.500% |  | XXXX | No |  | XXXX | XXXX | $846.96 | $70.58 | $0.00 | $0.00 | $0.00 | $4574.29 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.787 | 0.787 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 13.9 | XXXX | 13.9 | No | 58.89 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 778319 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $6627.00 | $552.25 | $0.00 | $0.00 | $0.00 | $5906.45 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | No |  |  |  |  |  |  |  | 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 | 1.024 | 1.024 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | XXXX | 47.2 | No | 70.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 781490 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 13230 | 09/08/2025 | 6.540% | Manual Underwriting |  | No | XXXX |  | 9.250% |  | XXXX | No |  | XXXX | XXXX | $2519.04 | $209.92 | $0.00 | $0.00 | $0.00 | $6245.70 | $17366.28 | N/A |  |  | $0.00 |  |  | 0.00% | 29.01% | 29.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 32 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 11.8 | XXXX | 11.8 | No | 90.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 792231 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 6522.5 | 08/25/2025 | 6.630% | Manual Underwriting |  | No | XXXX |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | $753.96 | $62.83 | $0.00 | $0.00 | $0.00 | $2490.40 | $4271.95 | N/A |  |  | $0.00 |  |  | 0.00% | 41.60% | 41.60% | No | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | N/A |  |  | XXXX |  |  |  | I-551 Permanent Resident Card  |  | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | N/A |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | XXXX | 4.1 | No | 76.83 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 792232 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 8 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 8.250% |  | XXXX | No |  | XXXX | XXXX | $1682.88 | $140.24 | $0.00 | $0.00 | $0.00 | $6018.33 | $77150.46 | N/A |  |  | $0.00 |  |  | 0.00% | 38.07% | 38.07% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 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 | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 17.3 | XXXX | 17.3 | No | 85.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 817405 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 7983.62 | 07/14/2025 | 6.750% | Manual Underwriting |  | No | XXXX |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $2595.00 | $216.25 | $0.00 | $0.00 | $0.00 | $3401.04 | $8931.51 | N/A |  |  | $0.00 |  |  | 0.00% | 30.67% | 30.67% | 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% | 40.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 96 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Real ID Driver's License |  | XX | XXXX | XXXX |  |  | I-551 Permanent Resident Card  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 25.4 | XXXX | 25.4 | No | 67.16 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 831942 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 19195 | 09/22/2025 | 6.220% | Manual Underwriting |  | No | XXXX |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | $3483.00 | $290.25 | $0.00 | $0.00 | $0.00 | $7112.44 | $20337.17 | N/A |  |  | $0.00 |  |  | 0.00% | 39.23% | 39.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 22.2 | XXXX | 22.2 | No | 90.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 832082 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.000% |  | XXXX | No |  | XXXX | XXXX | $1236.96 | $103.08 | $0.00 | $0.00 | $0.00 | $2274.92 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.407 | 1.407 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | XXXX | 19.3 | XXXX | 19.3 | No | 50.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 859953 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | 11/03/2025 | 6.170% | Manual Underwriting |  | No | XXXX |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | $11205.84 | $933.82 | $0.00 | $0.00 | $136.42 | $13419.17 | $15974.50 | N/A |  |  | $0.00 |  |  | 0.00% | 47.37% | 47.37% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 1 | 1 |  |  | 2 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 20.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Wage, Commission - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | XXXX | 22.6 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 864613 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.625% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $1048.08 | $87.34 | $0.00 | $0.00 | $0.00 | $1423.26 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.353 | 1.35 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 27.9 | XXXX | 27.9 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 865346 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 17380 | 11/03/2025 | 6.170% | Manual Underwriting |  | No | XXXX |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | $2288.04 | $190.67 | $0.00 | $0.00 | $0.00 | $6292.79 | $12303.91 | N/A |  |  | $0.00 |  |  | 0.00% | 40.30% | 40.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Other REO Net Rental Income(Loss), SESCorp - CPA Letter Verified, Personal Bank Statements Verified, Lease Agreements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 24.0 | XXXX | 24.0 | No | 85.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 866779 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $1535.16 | $127.93 | $0.00 | $0.00 | $0.00 | $4601.65 | $15167.58 | N/A |  |  | $0.00 |  |  | 0.00% | 31.11% | 31.11% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | Borrower - ["2024","2025","2023"] - 2024, 2025, 2023 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 802 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | XXXX | 109.4 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 869879 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 3 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 10601.25 | 10/20/2025 | 6.240% | Manual Underwriting |  | No | XXXX |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $1317.00 | $109.75 | $0.00 | $0.00 | $0.00 | $3513.11 | $13739.28 | N/A |  |  | $0.00 |  |  | 0.00% | 28.01% | 28.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6.0 | XXXX | 6.0 | No | 90.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 871493 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 6202.5 | 11/17/2025 | 6.230% | Manual Underwriting |  | No | XXXX |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $462.96 | $38.58 | $5328.00 | $444.00 | $0.00 | $3920.27 | $7946.73 | N/A | XXXX | XX | $444.00 | 01/01/2026 | Monthly | 0.00% | 41.22% | 41.22% | 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 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 22.5 | XXXX | 22.5 | No | 85.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 871494 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $1659.60 | $138.30 | $0.00 | $0.00 | $0.00 | $3187.88 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.004 | 1.0 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | XXXX | 56.8 | No | 48.54 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 874059 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $1272.96 | $106.08 | $125.04 | $10.42 | $0.00 | $1567.59 |  | N/A | XXXX | XX | $10.42 |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.18 | 1.18 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | XXXX | 87.5 | No | 65.89 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 876284 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 7.990% |  | XXXX | No |  | XXXX | XXXX | $1287.00 | $107.25 | $0.00 | $0.00 | $0.00 | $1791.85 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.027 | 1.02 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 3.6 | XXXX | 3.6 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 885593 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1995 | 11/03/2025 | 6.170% | Manual Underwriting |  | No | XXXX |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $1736.04 | $144.67 | $0.00 | $0.00 | $0.00 | $4557.57 | $6579.43 | N/A |  |  | $0.00 |  |  | 0.00% | 49.39% | 49.39% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 21.9 | XXXX | 21.9 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 885785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $4786.32 | $398.86 | $0.00 | $0.00 | $0.00 | $7480.73 | $71632.75 | N/A |  |  | $0.00 |  |  | 0.00% | 45.45% | 45.45% | 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 |  |  |  | 0.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 26.0 | XXXX | 26.0 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 886514 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 7.250% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $5127.00 | $427.25 | $0.00 | $0.00 | $0.00 | $5223.10 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.002 | 1.002 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 679 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 16.7 | XXXX | 16.7 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 889320 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 11 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.750% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $1635.00 | $136.25 | $0.00 | $0.00 | $0.00 | $1653.28 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.512 | 1.505 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 118.3 | XXXX | 118.3 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 889961 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX | $0.00 | 6.990% |  | XXXX | No |  | XXXX | XXXX | $998.04 | $83.17 | $800.04 | $66.67 | $0.00 | $2489.88 |  | N/A | XXXX | XX | $66.67 |  | Annually | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.018 | 1.018 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | XXXX | 76.2 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 890682 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $3104.04 | $258.67 | $0.00 | $0.00 | $0.00 | $7030.02 | $19856.35 | N/A |  |  | $0.00 |  |  | 0.00% | 42.58% | 42.58% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 9.0 | XXXX | 9.0 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 890816 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | $1706.04 | $142.17 | $0.00 | $0.00 | $0.00 | $6074.03 | $8248.72 | N/A |  |  | $0.00 |  |  | 0.00% | 38.55% | 38.55% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 2 | NA | No | No | 0 | No | Yes | N/A | 4 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 11 | CPA |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, SEPartnership, SEPartnership, SEPartnership, SEPartnership, SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, K1), CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified, 1040 Schedule E Verified - ["2024","2023"] - 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2023"] - 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 125.3 | XXXX | 125.3 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 891060 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | $1686.00 | $140.50 | $0.00 | $0.00 | $0.00 | $7000.88 | $7132.48 | N/A |  |  | $0.00 |  |  | 0.00% | 43.82% | 43.82% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 2 | NA | No | No | 0 | No | Yes | N/A | 2 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 11 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor, SEPartnership, SEPartnership, SEPartnership, SEPartnership, SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO, Primary Residence Rent Income, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, 1120, K1), CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, 1120, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 81.2 | XXXX | 81.2 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 891272 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 11 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 8.000% |  | XXXX | No |  | XXXX | XXXX | $2839.80 | $236.65 | $99.96 | $8.33 | $0.00 | $2367.02 |  | N/A | XXXX | XX | $8.33 |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.684 | 1.684 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 679 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 57.3 | XXXX | 57.3 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 891277 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 11 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.625% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $1526.04 | $127.17 | $0.00 | $0.00 | $0.00 | $2062.17 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.503 | 1.503 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 665 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | XXXX | 110.7 | No | 56.59 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 894860 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 13 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 7.000% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $2055.00 | $171.25 | $0.00 | $0.00 | $0.00 | $2212.26 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.13 | 1.012 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0.0 | XXXX | 8.7 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 894862 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 13 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 13440.11 | 12/01/2025 | 6.190% | Manual Underwriting |  | No | XXXX |  | 7.500% |  | XXXX | No |  | XXXX | XXXX | $1655.04 | $137.92 | $780.00 | $65.00 | $0.00 | $2883.76 | $9013.49 | N/A | XXXX | XX | $65.00 |  | Annually | 0.00% | 27.17% | 27.17% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 12.0 | XXXX | 12.0 | No | 90.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 896115 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 11 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 7.625% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $999.60 | $83.30 | $4800.00 | $400.00 | $0.00 | $4251.68 |  | Yes | XXXX | XX | $400.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.862 | 0.862 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | XXXX | 103.3 | No | 70.0 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 896118 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 13 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Interest Only | 20595 | 11/24/2025 | 6.260% | Manual Underwriting |  | No | XXXX |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | $3327.96 | $277.33 | $900.00 | $75.00 | $0.00 | $7875.39 | $18138.44 | N/A | XXXX | XX | $75.00 |  | Annually | 0.00% | 35.12% | 35.12% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 695 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | XXXX | 47.8 | No | 64.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 898352 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 13 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 14841.25 | 12/01/2025 | 6.190% | Manual Underwriting |  | No | XXXX |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $6012.00 | $501.00 | $0.00 | $0.00 | $0.00 | $4766.48 | $34653.53 | N/A |  |  | $0.00 |  |  | 0.00% | 34.53% | 34.53% | No | No | 4 - Verified 2+ Mos |  | 3 - Stated, Partially Verified |  | 3 - Stated, 3rd Party Verification |  | Not Employed | Not Employed | Self-Employed |  | 9.22 |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 100.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower \|\| Co Borrower \|\| Co Borrower 2 - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower \|\| Co Borrower \|\| Co Borrower 2 - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 741 | 748 | 741 | 736 |  |  |  | 741 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | N/A |  |  | XXXX |  |  |  | I-766 Employment Authorization Document |  | XXXX | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 73.5 | XXXX | 73.5 | No | 90.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | Borrower As Individual | N/A |  |  |  |  |
| 898353 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 11 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 7.375% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $1457.04 | $121.42 | $0.00 | $0.00 | $0.00 | $1531.09 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.437 | 1.437 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 644 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 22.3 | XXXX | 22.3 | No | 70.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 898360 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 11 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.750% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $8432.88 | $702.74 | $1800.00 | $150.00 | $0.00 | $6327.02 |  | N/A | XXXX | XX | $150.00 | 01/01/2026 | 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 | 1.715 | 1.716 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 2.9 | XXXX | 2.9 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 898889 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 7.750% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $1155.00 | $96.25 | $0.00 | $0.00 | $0.00 | $2151.16 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.93 | 0.92 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 692 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 22.4 | XXXX | 22.4 | No | 68.02 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 899069 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX | $0.00 | 6.990% |  | XXXX | No |  | XXXX | XXXX | $302.04 | $25.17 | $1200.00 | $100.00 | $0.00 | $5452.47 |  | Yes | XXXX | XX | $100.00 |  | 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 | 1.073 | 1.0 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 27.5 | XXXX | 27.5 | No | 75.0 | No | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| 900062 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $5211.48 | $434.29 | $0.00 | $0.00 | $0.00 | $8141.49 | $121306.87 | N/A |  |  | $0.00 |  |  | 0.00% | 12.23% | 12.23% | 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 |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | XXXX | 99.3 | No | 65.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 900236 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 11 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | $3355.92 | $279.66 | $6600.00 | $550.00 | $0.00 | $4561.92 |  | N/A | XXXX | XX | $550.00 | 02/01/2026 | 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 | 1.34 | 1.34 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 3.2 | XXXX | 3.2 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 900400 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Interest Only | 1590 | 11/24/2025 | 6.260% | Manual Underwriting |  | No | XXXX |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $2322.00 | $193.50 | $0.00 | $0.00 | $0.00 | $3216.69 | $5522.97 | N/A |  |  | $0.00 |  |  | 0.00% | 46.98% | 50.08% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 30 | 30 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A |  |  |  | XXXX | XXXX |  |  | I-551 Permanent Resident Card  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | XXXX | 20.5 | No | 63.56 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 900696 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $1704.00 | $142.00 | $0.00 | $0.00 | $0.00 | $4901.62 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.224 | 1.22 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 775 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 33.0 | XXXX | 33.0 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 903334 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 13 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 10937.5 | 11/24/2025 | 6.260% | Manual Underwriting |  | No | XXXX |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | $3599.04 | $299.92 | $125.04 | $10.42 | $0.00 | $4910.53 | $25934.39 | N/A | XXXX | XX | $10.42 |  | Annually | 0.00% | 28.07% | 28.07% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 43 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower | Borrower - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card  |  | XXXX | Permanent Resident Alien | Permanent Non-US Citizen |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 15.4 | XXXX | 15.4 | No | 90.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 903336 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 11 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX | $0.00 | 7.375% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $1880.04 | $156.67 | $0.00 | $0.00 | $0.00 | $1689.77 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.036 | 1.035 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 12.4 | XXXX | 12.4 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 903339 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 13 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 13345 | 11/24/2025 | 6.260% | Manual Underwriting |  | No | XXXX |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | $2924.04 | $243.67 | $0.00 | $0.00 | $0.00 | $4183.54 | $22129.26 | N/A |  |  | $0.00 |  |  | 0.00% | 24.23% | 24.23% | 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 |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 27 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 |  | XX | XXXX | XXXX |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 1.0 | XXXX | 117.9 | No | 68.49 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 903343 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 13 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2595 | 12/01/2025 | 6.190% | Manual Underwriting |  | No | XXXX |  | 7.000% |  | XXXX | No |  | XXXX | XXXX | $1554.00 | $129.50 | $780.00 | $65.00 | $0.00 | $3187.01 | $5300.43 | N/A | XXXX | XX | $65.00 |  | Monthly | 0.00% | 49.92% | 49.92% | 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 |  |  |  | 0.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 20.9 | XXXX | 20.9 | No | 90.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 905906 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 13 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 10163.75 | 11/24/2025 | 6.260% | Manual Underwriting |  | No | XXXX |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $4957.32 | $413.11 | $0.00 | $0.00 | $0.00 | $3892.84 | $19640.17 | N/A |  |  | $0.00 |  |  | 0.00% | 29.99% | 29.99% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower | Borrower - ["2025","2024"] - 2025, 2024 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | Permanent Resident Alien | Permanent Non-US Citizen |  | Other | permanent resident card | N/A | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 12.2 | XXXX | 12.2 | No | 90.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 911384 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 3 | XXXX | QM: Safe Harbor Verified (V SH) | Yes | No | Yes | N/A | N/A | 18483.3 | 12/01/2025 | 6.190% | Manual Underwriting |  | No | XXXX |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | $1197.96 | $99.83 | $1296.00 | $108.00 | $0.00 | $9170.07 | $11596.58 | N/A | XXXX | XX | $108.00 |  | Monthly | 0.00% | 49.26% | 49.26% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 39 | 39 | Work Number | Yes | 140 | 140 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage, Wage, Overtime, Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 9.4 | XXXX | 9.4 | No | 85.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 916728 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $2693.04 | $224.42 | $0.00 | $0.00 | $0.00 | $7193.10 | $13025.37 | N/A |  |  | $0.00 |  |  | 0.00% | 40.31% | 40.31% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 802 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 13.1 | XXXX | 13.1 | No | 78.26 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| 917285 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 11 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.750% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $1496.40 | $124.70 | $0.00 | $0.00 | $0.00 | $1629.84 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.114 | 1.114 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | XXXX | 16.4 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 917287 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 11 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.875% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $3183.24 | $265.27 | $0.00 | $0.00 | $0.00 | $3448.23 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.146 | 1.145 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 714 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 2.4 | XXXX | 23.6 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 917397 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $528.96 | $44.08 | $0.00 | $0.00 | $0.00 | $1779.22 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.012 | 0.98 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | XXXX | 38.7 | No | 56.18 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 919206 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 13 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 18829.02 | 11/24/2025 | 6.260% | Manual Underwriting |  | No | XXXX |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | $3278.76 | $273.23 | $0.00 | $0.00 | $0.00 | $4908.68 | $10339.25 | N/A |  |  | $0.00 |  |  | 0.00% | 44.41% | 44.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.1 | XXXX | 0.1 | No | 70.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 920885 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 13 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $483.96 | $40.33 | $3300.00 | $275.00 | $0.00 | $2808.02 | $49885.18 | Yes | XXXX | XX | $275.00 |  | Monthly | 0.00% | 38.85% | 38.85% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 45.7 | XXXX | 45.7 | No | 80.0 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 924278 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 13 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 7.875% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $1440.00 | $120.00 | $200.04 | $16.67 | $0.00 | $1794.19 |  | N/A | XXXX | XX | $16.67 | 02/01/2026 | 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 | 0.869 | 0.87 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 |  | XX | XXXX | XXXX |  |  | Other |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0.0 | XXXX | 112.4 | No | 70.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 925390 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 12 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 7390 | 12/15/2025 | 6.270% | Manual Underwriting |  | No | XXXX |  | 6.625% |  | XXXX | No |  | XXXX | XXXX | $4101.96 | $341.83 | $0.00 | $0.00 | $0.00 | $1846.12 | $8362.13 | N/A |  |  | $0.00 |  |  | 0.00% | 18.87% | 18.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | XXXX | 80.1 | No | 33.33 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 926492 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 13 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 31351.68 | 12/01/2025 | 6.190% | Manual Underwriting |  | No | XXXX |  | 7.000% |  | XXXX | No |  | XXXX | XXXX | $1368.00 | $114.00 | $1800.00 | $150.00 | $0.00 | $5507.35 | $7229.17 | N/A | XXXX | XX | $150.00 | 02/01/2026 | Monthly | 0.00% | 46.19% | 46.19% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Proceeds from Sale | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Note Receivable - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 688 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 3.2 | XXXX | 3.2 | No | 75.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 929226 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $1170.00 | $97.50 | $0.00 | $0.00 | $0.00 | $4137.59 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | No |  |  |  |  |  |  |  | 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 | 0.824 | 0.82 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 89.0 | XXXX | 89.0 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 930422 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.875% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $1500.96 | $125.08 | $0.00 | $0.00 | $0.00 | $1230.11 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.219 | 1.21 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 10.8 | XXXX | 12.1 | No | 77.38 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 934783 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | $2844.48 | $237.04 | $0.00 | $0.00 | $0.00 | $9753.79 | $413663.20 | N/A |  |  | $0.00 |  |  | 0.00% | 5.22% | 5.22% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 67.4 | XXXX | 67.4 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 935174 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 37727.8 | 12/22/2025 | 6.250% | Manual Underwriting |  | No | XXXX |  | 6.625% |  | XXXX | No |  | XXXX | XXXX | $1746.00 | $145.50 | $0.00 | $0.00 | $0.00 | $14097.54 | $101047.46 | N/A |  |  | $0.00 |  |  | 0.00% | 17.37% | 17.37% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 35.7 | XXXX | 35.7 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 935186 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $1512.96 | $126.08 | $0.00 | $0.00 | $0.00 | $3608.78 | $8571.85 | N/A |  |  | $0.00 |  |  | 0.00% | 29.49% | 29.49% | Yes | Yes |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower \|\| Co Borrower - ["2025","2026"] - 2025, 2026 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 3.7 | XXXX | 3.7 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| 936559 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2045 | 12/08/2025 | 6.220% | Manual Underwriting |  | No | XXXX |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $2657.88 | $221.49 | $0.00 | $0.00 | $0.00 | $5474.77 | $12446.61 | N/A |  |  | $0.00 |  |  | 0.00% | 37.34% | 37.34% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 73.25% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | Yes | 205 | 35 | Work Number | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 14.8 | XXXX | 14.8 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 938122 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.490% |  | XXXX | No |  | XXXX | XXXX | $2255.40 | $187.95 | $0.00 | $0.00 | $0.00 | $4593.32 |  | N/A |  |  | $0.00 |  |  | 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 | 1.415 | 1.41 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 9.6 | XXXX | 9.6 | No | 69.75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| 940401 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.625% |  | XXXX | No |  | XXXX | XXXX | $1062.96 | $88.58 | $0.00 | $0.00 | $0.00 | $3848.80 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.0 | 1.003 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.9 | XXXX | 8.9 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 940473 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | 12/08/2025 | 6.220% | Manual Underwriting |  | No | XXXX |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $3207.96 | $267.33 | $1200.00 | $100.00 | $0.00 | $7505.82 | $10808.17 | N/A | XXXX | XX | $100.00 | 03/01/2026 | Monthly | 0.00% | 46.12% | 46.12% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 2 | 2 | 1 Month | 2+ Months | N/A | 0 | Yes | 7 | 0 | 0 | 0 | 0 | 0 | 2 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 22.12% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | Yes | 24 | 90 | Work Number | Yes | 7 | 7 | Work Number | No | 0 |  | N/A | Borrower - Wage, SEPartnership - CPA Letter Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 714 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | XXXX | 9.7 | No | 70.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 940500 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 13 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 11819.09 | 11/24/2025 | 6.260% | Manual Underwriting |  | No | XXXX |  | 8.125% |  | XXXX | No |  | XXXX | XXXX | $3215.04 | $267.92 | $0.00 | $0.00 | $0.00 | $3392.81 | $24896.95 | N/A |  |  | $0.00 |  |  | 0.00% | 12.21% | 12.21% | 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 |  |  |  | 0.00% | 85.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 40 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 |  | XX | XXXX | XXXX |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 61.4 | XXXX | 93.9 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 944222 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | 12/29/2025 | 6.250% | Manual Underwriting |  | No | XXXX |  | 6.375% |  | XXXX | No |  | XXXX | XXXX | $4815.00 | $401.25 | $0.00 | $0.00 | $0.00 | $4982.75 | $19140.47 | N/A |  |  | $0.00 |  |  | 0.00% | 46.19% | 46.19% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 240 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | XXXX | 60.2 | No | 16.08 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 944884 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | 01/05/2026 | 6.180% | Manual Underwriting |  | No | XXXX |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $1818.60 | $151.55 | $0.00 | $0.00 | $0.00 | $7653.63 | $9330.47 | N/A |  |  | $0.00 |  |  | 0.00% | 49.66% | 49.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | Yes | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | XXXX | 15.0 | No | 75.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 945546 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $612.96 | $51.08 | $0.00 | $0.00 | $0.00 | $2753.30 |  | N/A |  |  | $0.00 |  |  | 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 | 1.162 | 1.16 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 54.0 | XXXX | 54.0 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 945621 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | 12/15/2025 | 6.270% | Manual Underwriting |  | No | XXXX |  | 6.625% |  | XXXX | No |  | XXXX | XXXX | $7328.28 | $610.69 | $6564.00 | $547.00 | $0.00 | $3633.09 | $28024.32 | N/A | XXXX | XX | $547.00 |  | Monthly | 0.00% | 32.35% | 32.35% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | Yes | 9 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 2 | 12 | No | N/A | 0 | 0 | 53.95% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | Yes | 33 | 36 | Work Number | No | 0 |  |  | Borrower - SESoleProprietor, SSI and Disability, Other REO Net Rental Income(Loss) - CPA Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage, SSI and Disability, Retirement - Written VOE Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2024","2025","2023"] - 2024, 2025, 2023 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 30.8 | XXXX | 30.8 | No | 66.67 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 946705 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 6216 | 12/08/2025 | 6.220% | Manual Underwriting |  | No | XXXX |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $2679.24 | $223.27 | $0.00 | $0.00 | $0.00 | $3900.31 | $10026.79 | N/A |  |  | $0.00 |  |  | 0.00% | 49.99% | 49.99% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 84 | 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) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 667 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 2 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 25.5 | XXXX | 25.5 | No | 63.21 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 950165 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.625% |  | XXXX | No |  | XXXX | XXXX | $3867.36 | $322.28 | $0.00 | $0.00 | $0.00 | $3680.40 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.467 | 1.47 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 214.4 | XXXX | 214.4 | No | 68.68 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 950219 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 3 | XXXX | QM: Safe Harbor Verified (V SH) | Yes | No | Yes | Option 3 - Underwritten to Proprietary Lender Guidelines | N/A | 11668.73 | 01/05/2026 | 6.180% | Manual Underwriting |  | No | XXXX |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $1058.04 | $88.17 | $3600.00 | $300.00 | $0.00 | $3848.11 | $4400.89 | N/A | XXXX | XX | $300.00 |  | Monthly | 0.00% | 49.58% | 49.58% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 192 | 23 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Bonus - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6.3 | XXXX | 6.6 | No | 82.46 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 950381 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | $1781.04 | $148.42 | $0.00 | $0.00 | $0.00 | $4179.45 | $15650.98 | N/A |  |  | $0.00 |  |  | 0.00% | 49.98% | 49.98% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 1 | 2 | NA | No | No | 0 | No | Yes | N/A | 1 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 96 | 96 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Bonus, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 35.6 | XXXX | 109.2 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 950621 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $2154.84 | $179.57 | $0.00 | $0.00 | $0.00 | $2237.77 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.894 | 0.89 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | XXXX | 54.1 | No | 65.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 955448 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $2002.20 | $166.85 | $0.00 | $0.00 | $0.00 | $5777.27 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.125 | 1.12 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | XXXX | 82.0 | XXXX | 82.0 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 957795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $1950.00 | $162.50 | $0.00 | $0.00 | $0.00 | $2889.47 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.107 | 1.1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7.5 | XXXX | 7.5 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 958244 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 10725 | 01/05/2026 | 6.190% | Manual Underwriting | Manual Underwriting | No | XXXX |  | 6.625% | 6.625% | XXXX | No |  | XXXX | XXXX | $2278.20 | $189.85 | $0.00 | $0.00 | $0.00 | $3220.10 | $9775.68 | N/A |  |  | $0.00 |  |  | 0.00% | 24.78% | 24.78% | 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 | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 11.9 | XXXX | 11.9 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 959452 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 13194 | 12/15/2025 | 6.270% | Manual Underwriting | Manual Underwriting | No | XXXX |  | 6.875% | 6.875% | XXXX | No |  | XXXX | XXXX | $1190.04 | $99.17 | $0.00 | $0.00 | $0.00 | $4164.39 | $10050.69 | N/A |  |  | $0.00 |  |  | 0.00% | 34.49% | 34.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 264 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 675 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 53.0 | XXXX | 53.1 | No | 54.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 961904 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $2118.00 | $176.50 | $0.00 | $0.00 | $0.00 | $6550.59 | $20509.42 | N/A |  |  | $0.00 |  |  | 0.00% | 42.35% | 42.35% | 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% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 7.6 | XXXX | 7.6 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 967079 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $3242.04 | $270.17 | $0.00 | $0.00 | $0.00 | $6325.50 | $90194.79 | N/A |  |  | $0.00 |  |  | 0.00% | 48.31% | 48.31% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0.0 | XXXX | 53.9 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 971550 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 6340 | 01/19/2026 | 6.060% | Manual Underwriting |  | No | XXXX |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $4143.00 | $345.25 | $0.00 | $0.00 | $0.00 | $2292.78 | $4924.22 | N/A |  |  | $0.00 |  |  | 0.00% | 32.86% | 32.86% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 1YR Full Doc | 1 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | Yes<br> 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 - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 2.2 | XXXX | 48.5 | No | 68.49 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 978675 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 8395 | 01/26/2026 | 6.140% | Manual Underwriting | Manual Underwriting | No | XXXX |  | 7.250% | 7.250% | XXXX | No |  | XXXX | XXXX | $2204.88 | $183.74 | $480.00 | $40.00 | $0.00 | $5655.74 | $10533.79 | N/A | XXXX | XX | $40.00 | 03/01/2026 | Monthly | 0.00% | 46.48% | 46.48% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 688 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 24.4 | XXXX | 24.4 | No | 75.56 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 985920 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $515.04 | $42.92 | $1800.00 | $150.00 | $0.00 | $4045.78 |  | Yes | XXXX | XX | $150.00 | 03/01/2026 | 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 | 1.112 | 1.11 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | XXXX | 27.5 | No | 75.0 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 988485 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.625% |  | XXXX | No |  | XXXX | XXXX | $3411.00 | $284.25 | $0.00 | $0.00 | $0.00 | $5024.16 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.294 | 1.28 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 3.1 | XXXX | 3.1 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 988619 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $1562.04 | $130.17 | $0.00 | $0.00 | $0.00 | $4008.75 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.572 | 1.57 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | XXXX | 26.8 | No | 70.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 988678 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX | $1890.00 | 6.625% |  | XXXX | No |  | XXXX | XXXX | $3425.04 | $285.42 | $0.00 | $0.00 | $0.00 | $2777.49 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.152 | 1.15 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0.0 | XXXX | 45.9 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 988946 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | 01/12/2026 | 6.170% | Manual Underwriting | Manual Underwriting | No | XXXX |  | 6.750% | 6.750% | XXXX | No |  | XXXX | XXXX | $2115.96 | $176.33 | $0.00 | $0.00 | $0.00 | $6600.83 | $17784.06 | N/A |  |  | $0.00 |  |  | 0.00% | 36.04% | 36.04% | No | Yes |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | N/A | 1 | 0 | Yes | Yes | 1 | 12 | 100.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 236 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | Yes | Borrower - Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - [] \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - [] \|\| Co Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 806 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 3.8 | XXXX | 3.8 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 995054 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No | XXXX |  | 7.375% | 7.376% | XXXX | No |  | XXXX | XXXX | $4802.04 | $400.17 | $0.00 | $0.00 | $0.00 | $6857.94 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.123 | 1.12 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 155.5 | XXXX | 155.5 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 995808 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.625% |  | XXXX | No |  | XXXX | XXXX | $3714.00 | $309.50 | $0.00 | $0.00 | $0.00 | $5323.40 |  | N/A |  |  | $0.00 |  |  | 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% |  |  | Stocks/Bonds |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.428 | 1.42 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | XXXX | 44.2 | No | 50.0 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| 1002791 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX | $0.00 | 7.750% |  | XXXX | No |  | XXXX | XXXX | $959.04 | $79.92 | $0.00 | $0.00 | $0.00 | $2218.09 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.127 | 1.12 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 682 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | XXXX | 36.6 | No | 70.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 1004376 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.625% |  | XXXX | No |  | XXXX | XXXX | $2134.44 | $177.87 | $0.00 | $0.00 | $0.00 | $2739.02 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.46 | 1.46 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 4.3 | XXXX | 4.3 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 1009915 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 5.990% |  | XXXX | No |  | XXXX | XXXX | $3858.00 | $321.50 | $0.00 | $0.00 | $0.00 | $5893.02 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.375 | 1.37 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | XXXX | 0.0 | No | 42.29 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 1010930 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | FM_DSCR | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.250% |  | XXXX | No |  | XXXX | XXXX | $3922.68 | $326.89 | $0.00 | $0.00 | $0.00 | $7066.07 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.811 | 1.8 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | XXXX | 0.0 | No | 51.05 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 1011152 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.625% |  | XXXX | No |  | XXXX | XXXX | $4293.00 | $357.75 | $0.00 | $0.00 | $0.00 | $4813.85 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.039 | 1.0 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | XXXX | 84.2 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 1011215 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | 01/12/2026 | 6.170% | Manual Underwriting | Manual Underwriting | No | XXXX |  | 6.875% | 6.875% | XXXX | No |  | XXXX | XXXX | $3054.48 | $254.54 | $324.96 | $27.08 | $0.00 | $6771.89 | $13360.86 | N/A | XXXX | XX | $27.08 | 04/01/2026 | Annually | 0.00% | 35.75% | 35.75% | 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 | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 66.74% | 50.00% | 50.00% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 42 | Yes | 42 | Yes | 42 | 24 | Other | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, SEPartnership - CPA Letter Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2026","2025","2024"] - 2026, 2025, 2024 \|\| Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2026","2025","2024"] - 2026, 2025, 2024 \|\| Co Borrower - ["2025"] - 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card  |  | XXXX | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 9.5 | XXXX | 9.5 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 1011229 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $1664.04 | $138.67 | $0.00 | $0.00 | $0.00 | $4354.78 | $16837.21 | N/A |  |  | $0.00 |  |  | 0.00% | 48.22% | 48.22% | 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% | 72.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, SESCorp, SESCorp, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | XXXX | 17.3 | No | 55.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 1012581 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No | XXXX |  | 6.250% |  | XXXX | No |  | XXXX | XXXX | $3771.72 | $314.31 | $0.00 | $0.00 | $0.00 | $5257.11 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 2.435 | 2.37 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 11.5 | XXXX | 11.5 | No | 37.68 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.30

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Redaction ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 653556 | XXXX | XXXX | XXXX | XXXX<br> A |
| 671301 | XXXX | XXXX | XXXX | XXXX<br> D<br> C<br> A |
| 686573 | XXXX | XXXX | XXXX | XXXX<br> B<br> A |
| 686581 | XXXX | XXXX | XXXX | XXXX<br> A |
| 713530 | XXXX | XXXX | XXXX | XXXX<br> A |
| 721961 | XXXX | XXXX | XXXX | XXXX<br> D<br> A |
| 722483 | XXXX | XXXX | XXXX | XXXX<br> C<br> A<br> B |
| 728823 | XXXX | XXXX | XXXX | XXXX<br> C<br> A |
| 730607 | XXXX | XXXX | XXXX | XXXX<br> A |
| 733596 | XXXX | XXXX | XXXX | XXXX<br> A |
| 743852 | XXXX | XXXX | XXXX | XXXX<br> A |
| 746865 | XXXX | XXXX | XXXX | XXXX<br> C<br> A<br> B |
| 746866 | XXXX | XXXX | XXXX | XXXX<br> A |
| 751130 | XXXX | XXXX | XXXX | XXXX<br> C<br> A |
| 752515 | XXXX | XXXX | XXXX | XXXX<br> C<br> A<br> B |
| 754668 | XXXX | XXXX | XXXX | XXXX<br> A |
| 758252 | XXXX | XXXX | XXXX | XXXX<br> D<br> A |
| 774052 | XXXX | XXXX | XXXX | XXXX<br> D<br> A |
| 778319 | XXXX | XXXX | XXXX | XXXX<br> D<br> A |
| 781490 | XXXX | XXXX | XXXX | XXXX<br> C<br> A<br> B |
| 792231 | XXXX | XXXX | XXXX | XXXX<br> D<br> A<br> B |
| 792232 | XXXX | XXXX | XXXX | XXXX<br> D<br> A |
| 817405 | XXXX | XXXX | XXXX | XXXX<br> D<br> A |
| 831942 | XXXX | XXXX | XXXX | XXXX<br> A<br> D |
| 832082 | XXXX | XXXX | XXXX | XXXX<br> D<br> A |
| 859953 | XXXX | XXXX | XXXX | XXXX<br> C<br> B<br> A |
| 864613 | XXXX | XXXX | XXXX | XXXX<br> A |
| 865346 | XXXX | XXXX | XXXX | XXXX<br> D<br> A |
| 866779 | XXXX | XXXX | XXXX | XXXX<br> D<br> A<br> B |
| 869879 | XXXX | XXXX | XXXX | XXXX<br> D<br> B<br> A |
| 871493 | XXXX | XXXX | XXXX | XXXX<br> A |
| 871494 | XXXX | XXXX | XXXX | XXXX<br> D<br> A<br> B |
| 874059 | XXXX | XXXX | XXXX | XXXX<br> D<br> A |
| 876284 | XXXX | XXXX | XXXX | XXXX<br> C<br> A<br> B |
| 885593 | XXXX | XXXX | XXXX | XXXX<br> C<br> A |
| 885785 | XXXX | XXXX | XXXX | XXXX<br> C<br> A |
| 886514 | XXXX | XXXX | XXXX | XXXX<br> C<br> A |
| 889320 | XXXX | XXXX | XXXX | XXXX<br> A |
| 889961 | XXXX | XXXX | XXXX | XXXX<br> D<br> A |
| 890682 | XXXX | XXXX | XXXX | XXXX<br> C<br> A |
| 890816 | XXXX | XXXX | XXXX | XXXX<br> D<br> A |
| 891060 | XXXX | XXXX | XXXX | XXXX<br> A |
| 891272 | XXXX | XXXX | XXXX | XXXX<br> C<br> A |
| 891277 | XXXX | XXXX | XXXX | XXXX<br> A |
| 894860 | XXXX | XXXX | XXXX | XXXX<br> A |
| 894862 | XXXX | XXXX | XXXX | XXXX<br> D<br> A<br> B |
| 896115 | XXXX | XXXX | XXXX | XXXX<br> A |
| 896118 | XXXX | XXXX | XXXX | XXXX<br> A |
| 898352 | XXXX | XXXX | XXXX | XXXX<br> C<br> D<br> A |
| 898353 | XXXX | XXXX | XXXX | XXXX<br> A |
| 898360 | XXXX | XXXX | XXXX | XXXX<br> A |
| 898889 | XXXX | XXXX | XXXX | XXXX<br> C<br> A<br> B |
| 899069 | XXXX | XXXX | XXXX | XXXX<br> A |
| 900062 | XXXX | XXXX | XXXX | XXXX<br> A |
| 900236 | XXXX | XXXX | XXXX | XXXX<br> C<br> A<br> B |
| 900400 | XXXX | XXXX | XXXX | XXXX<br> A<br> B |
| 900696 | XXXX | XXXX | XXXX | XXXX<br> C<br> A |
| 903334 | XXXX | XXXX | XXXX | XXXX<br> C<br> A |
| 903336 | XXXX | XXXX | XXXX | XXXX<br> A |
| 903339 | XXXX | XXXX | XXXX | XXXX<br> A |
| 903343 | XXXX | XXXX | XXXX | XXXX<br> A |
| 905906 | XXXX | XXXX | XXXX | XXXX<br> A |
| 911384 | XXXX | XXXX | XXXX | XXXX<br> D<br> A |
| 916728 | XXXX | XXXX | XXXX | XXXX<br> D<br> A |
| 917285 | XXXX | XXXX | XXXX | XXXX<br> A<br> D |
| 917287 | XXXX | XXXX | XXXX | XXXX<br> D<br> A |
| 917397 | XXXX | XXXX | XXXX | XXXX<br> A |
| 919206 | XXXX | XXXX | XXXX | XXXX<br> A<br> C |
| 920885 | XXXX | XXXX | XXXX | XXXX<br> D<br> A |
| 924278 | XXXX | XXXX | XXXX | XXXX<br> D<br> A<br> B |
| 925390 | XXXX | XXXX | XXXX | XXXX<br> C<br> B<br> A |
| 926492 | XXXX | XXXX | XXXX | XXXX<br> A |
| 929226 | XXXX | XXXX | XXXX | XXXX<br> C<br> A |
| 930422 | XXXX | XXXX | XXXX | XXXX<br> C<br> A<br> B |
| 934783 | XXXX | XXXX | XXXX | XXXX<br> A |
| 935174 | XXXX | XXXX | XXXX | XXXX<br> A |
| 935186 | XXXX | XXXX | XXXX | XXXX<br> A |
| 936559 | XXXX | XXXX | XXXX | XXXX<br> C<br> A |
| 938122 | XXXX | XXXX | XXXX | XXXX<br> B<br> A |
| 940401 | XXXX | XXXX | XXXX | XXXX<br> A |
| 940473 | XXXX | XXXX | XXXX | XXXX<br> D<br> A<br> B |
| 940500 | XXXX | XXXX | XXXX | XXXX<br> C<br> A |
| 944222 | XXXX | XXXX | XXXX | XXXX<br> D<br> A |
| 944884 | XXXX | XXXX | XXXX | XXXX<br> A |
| 945546 | XXXX | XXXX | XXXX | XXXX<br> A |
| 945621 | XXXX | XXXX | XXXX | XXXX<br> D<br> A |
| 946705 | XXXX | XXXX | XXXX | XXXX<br> D<br> A |
| 950165 | XXXX | XXXX | XXXX | XXXX<br> C<br> A |
| 950219 | XXXX | XXXX | XXXX | XXXX<br> C<br> B<br> A |
| 950381 | XXXX | XXXX | XXXX | XXXX<br> A |
| 950621 | XXXX | XXXX | XXXX | XXXX<br> C<br> A<br> B |
| 955448 | XXXX | XXXX | XXXX | XXXX<br> A |
| 957795 | XXXX | XXXX | XXXX | XXXX<br> A |
| 958244 | XXXX | XXXX | XXXX | XXXX<br> D<br> A |
| 959452 | XXXX | XXXX | XXXX | XXXX<br> D<br> A |
| 961904 | XXXX | XXXX | XXXX | XXXX<br> D<br> A |
| 967079 | XXXX | XXXX | XXXX | XXXX<br> A |
| 971550 | XXXX | XXXX | XXXX | XXXX<br> C<br> A<br> B |
| 978675 | XXXX | XXXX | XXXX | XXXX<br> D<br> B<br> A |
| 985920 | XXXX | XXXX | XXXX | XXXX<br> D<br> A |
| 988485 | XXXX | XXXX | XXXX | XXXX<br> C<br> A |
| 988619 | XXXX | XXXX | XXXX | XXXX<br> A<br> C |
| 988678 | XXXX | XXXX | XXXX | XXXX<br> A |
| 988946 | XXXX | XXXX | XXXX | XXXX<br> A |
| 995054 | XXXX | XXXX | XXXX | XXXX<br> C<br> A<br> B |
| 995808 | XXXX | XXXX | XXXX | XXXX<br> C<br> A<br> B |
| 1002791 | XXXX | XXXX | XXXX | XXXX<br> A |
| 1004376 | XXXX | XXXX | XXXX | XXXX<br> D<br> A |
| 1009915 | XXXX | XXXX | XXXX | XXXX<br> D<br> A |
| 1010930 | XXXX | XXXX | XXXX | XXXX<br> D<br> A<br> C |
| 1011152 | XXXX | XXXX | XXXX | XXXX<br> A |
| 1011215 | XXXX | XXXX | XXXX | XXXX<br> C<br> A |
| 1011229 | XXXX | XXXX | XXXX | XXXX<br> D<br> A |
| 1012581 | XXXX | XXXX | XXXX | XXXX<br> A |

---

## Exhibit 99.31

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redaction ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 653556 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| 686581 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | includes HOA |
| 728823 | XXXX | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.505 | 1.4202 | Auditor used STR - 20%; lender used actual rent from 1025 - 20% |
| 730607 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 14.62 | 25.00 | Audit matches the 1003 and used all available assets. |
| 733596 | XXXX | XXXX | XXXX | XXXX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | Audit calculated less income |
| 733596 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.96 | 22.85 | Audit calculated less income |
| 752515 | XXXX | XXXX | XXXX | XXXX | Borrower 1 FTHB | the1003Page | true | N | Per Final 1003. |
| 752515 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 6.31 | 19.00 | ineligible assets/deposits backed out of totals |
| 754668 | XXXX | XXXX | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | Purchase of Primary |
| 774052 | XXXX | XXXX | XXXX | XXXX | Maturity Date | notePage | XXXX | XXXX | Per note |
| 817405 | XXXX | XXXX | XXXX | XXXX | Interest Rate | notePage | 6.99 | 7.0000 | Per Note  |
| 817405 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note  |
| 817405 | XXXX | XXXX | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 744 | 757 | Per CBR. |
| 831942 | XXXX | XXXX | XXXX | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | Per most recent credit report |
| 831942 | XXXX | XXXX | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | per bank statement |
| 831942 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 22.23 | 29.00 | per bank statement |
| 831942 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.23 | 41.80 | 1008 has incorrect P&I payment |
| 865346 | XXXX | XXXX | XXXX | XXXX | Final Reviewed QM Status | diligenceFinalLookPage | XXXX | XXXX | Primary residence |
| 866779 | XXXX | XXXX | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 802 | 806 | Per credit report |
| 866779 | XXXX | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 0.538 | A bank statement loan |
| 869879 | XXXX | XXXX | XXXX | XXXX | Final Reviewed QM Status | diligenceFinalLookPage | XXXX | XXXX | Primary residence not exempted |
| 885593 | XXXX | XXXX | XXXX | XXXX | Final Reviewed QM Status | diligenceFinalLookPage | XXXX | XXXX | Loan is for a primary residence. It is not exempt |
| 885593 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.39 | 45.20 | Final 1008 has different income from the final 1003. |
| 885785 | XXXX | XXXX | XXXX | XXXX | Borrower 1 How was title held? | the1003Page | Individually | Jointly | Per application |
| 886514 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 16.72 | 17.00 | per bank statements |
| 889320 | XXXX | XXXX | XXXX | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | Per credit report |
| 889961 | XXXX | XXXX | XXXX | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | per appraisal |
| 890682 | XXXX | XXXX | XXXX | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | per 1003 |
| 890682 | XXXX | XXXX | XXXX | XXXX | Amount of Other Lien | titlePage | 0 | XXXX | per note |
| 890682 | XXXX | XXXX | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 3 | 2.0 | per 1003 |
| 890816 | XXXX | XXXX | XXXX | XXXX | Borrower 1 Other Income | the1003Page | 2 | XXXX | Audit value reflects the number of other incomes sources. |
| 890816 | XXXX | XXXX | XXXX | XXXX | Amount of Other Lien | titlePage | 0 | XXXX | No other liens. |
| 891272 | XXXX | XXXX | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | verified assets |
| 891272 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 57.32 | 95.00 | verified assets |
| 891277 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 110.66 | 3.00 | cash out proceeds |
| 894862 | XXXX | XXXX | XXXX | XXXX | Borrower 1 FTHB | the1003Page | true | N | Per 1003 in file |
| 894862 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 11.98 | 24.00 | per bank statements |
| 896115 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 103.3 | 3.00 | used cashout for reserves |
| 899069 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | used credit report  |
| 899069 | XXXX | XXXX | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1.0 | Per credit report |
| 899069 | XXXX | XXXX | XXXX | XXXX | Borrower 2 Years in Current Home | the1003Page | 4 | 60 | Per fraud report |
| 899069 | XXXX | XXXX | XXXX | XXXX | Borrower 1 Rent or Own | the1003Page | Own | Rent | Per mtg stmnt in file |
| 900236 | XXXX | XXXX | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 713 | 723 | per credit report |
| 900236 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 3.19 | 56.00 | assets confirmed |
| 900400 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| 900400 | XXXX | XXXX | XXXX | XXXX | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Primary refinance |
| 900400 | XXXX | XXXX | XXXX | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | Per Final 1003 |
| 900696 | XXXX | XXXX | XXXX | XXXX | Loan Type | the1003Page | DSCR | XXXX | DSCR per file |
| 900696 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| 903334 | XXXX | XXXX | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | Primary Residence |
| 903336 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 12.36 | 35.00 | Per bank statements provided |
| 903339 | XXXX | XXXX | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | Primary residence, ATR/QM not exempt |
| 903343 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per cd |
| 905906 | XXXX | XXXX | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | Assets confirmed. Most recent accounts used |
| 905906 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 12.19 | 12.00 | Assets confirmed. Most recent accounts used |
| 905906 | XXXX | XXXX | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | Primary residence, ATR/QM not exempt |
| 917285 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 16.38 | 3.00 | Verified reserves vs required reserves |
| 917287 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per settlement statement |
| 917287 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 23.6 | 24.00 | Per assets |
| 920885 | XXXX | XXXX | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | Per bank statement |
| 920885 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 45.66 | 53.00 | Per bank statement |
| 920885 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.85 | 33.22 | Lender had incorrect PITI for primary |
| 924278 | XXXX | XXXX | XXXX | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per Note |
| 924278 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 112.37 | 144.00 | Cash to borrower per CD |
| 934783 | XXXX | XXXX | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 3 | 1.0 | per final loan application |
| 935186 | XXXX | XXXX | XXXX | XXXX | Borrower 1 Years in Current Home | the1003Page | 25.08 | 301 | Per 1003 |
| 935186 | XXXX | XXXX | XXXX | XXXX | Borrower 2 Years in Current Home | the1003Page | 25.08 | 301 | Per 1003 |
| 935186 | XXXX | XXXX | XXXX | XXXX | Borrower 2 Employer 1 Years in Line of Work | the1003Page | 29 | 348 | Per 1003 |
| 935186 | XXXX | XXXX | XXXX | XXXX | Borrower 2 Ethnicity - I do not wish to provide this information | the1003Page | true | false | Per 1003 |
| 936559 | XXXX | XXXX | XXXX | XXXX | Property City | notePage | XXXX | XXXX | Per Note |
| 936559 | XXXX | XXXX | XXXX | XXXX | Final Reviewed QM Status | diligenceFinalLookPage | XXXX | XXXX | Primary residence not exempt |
| 936559 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.34 | XXXX | Audit used lower consumer debt |
| 940500 | XXXX | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 1.4639 | Not DSCR |
| 944222 | XXXX | XXXX | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1.0 | Per 1003 |
| 945621 | XXXX | XXXX | XXXX | XXXX | Borrower 1 Employer 1 Years in Line of Work | the1003Page | 43.35 | 520 | PER 1003 |
| 945621 | XXXX | XXXX | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1.0 | Per 1003 subject property and departing residence |
| 950219 | XXXX | XXXX | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | Per purchase price. |
| 950219 | XXXX | XXXX | XXXX | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | Per purchase price. |
| 950381 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Final Signed URLA |
| 950381 | XXXX | XXXX | XXXX | XXXX | Borrower 1 Years in Current Home | the1003Page | 19.0 | 228 | Audit captured years, not months. |
| 950381 | XXXX | XXXX | XXXX | XXXX | Borrower 1 Employer 1 Years in Line of Work | the1003Page | 8.0 | 100 | Audit captured years, not months. |
| 950381 | XXXX | XXXX | XXXX | XXXX | Subject Property Gross Rental income | businessPurposePage | XXXX | 0.0 | Rental income per 1007 and matches to lender's calculation for subj cashflow on 1008 |
| 950381 | XXXX | XXXX | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 3 | 1.0 | Per 1003/Credit Report |
| 955448 | XXXX | XXXX | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 718 | 707 | Per Credit Report |
| 957795 | XXXX | XXXX | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per 1003 |
| 958244 | XXXX | XXXX | XXXX | XXXX | Final Reviewed QM Status | diligenceFinalLookPage | XXXX | XXXX | Per 1008 purchase primary residence |
| 959452 | XXXX | XXXX | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | 1008 |
| 959452 | XXXX | XXXX | XXXX | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | 1008 |
| 985920 | XXXX | XXXX | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per the 1008 & Lock. |
| 985920 | XXXX | XXXX | XXXX | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | PER INITIAL 1003 AND BORR ID.  |
| 985920 | XXXX | XXXX | XXXX | XXXX | Borrower 1 Do you intend to occupy property as primary residence? | the1003Page | No | Unknown | PER INITIAL 1003 AND FINAL 1008. |
| 985920 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | PER INITIAL 1003 BORR SIGN DATE.  |
| 988485 | XXXX | XXXX | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per 1008 |
| 988485 | XXXX | XXXX | XXXX | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | Per 1003 |
| 988485 | XXXX | XXXX | XXXX | XXXX | Borrower 1 Years in Current Home | the1003Page | 3.83 | 46 | Years versus Months |
| 988485 | XXXX | XXXX | XXXX | XXXX | Borrower 1 How was title held? | the1003Page | Not Provided | Jointly | Per 1003 |
| 988619 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per Credit Report |
| 988619 | XXXX | XXXX | XXXX | XXXX | Number of Units | propertyValuationPage | 3 | 2.0 | Per appraisal |
| 988678 | XXXX | XXXX | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per 1008. |
| 988678 | XXXX | XXXX | XXXX | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | Per Initial Loan app |
| 988946 | XXXX | XXXX | XXXX | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | Final 1003 |
| 988946 | XXXX | XXXX | XXXX | XXXX | Amount of Other Lien | titlePage | 0 | XXXX | no other lien |
| 995054 | XXXX | XXXX | XXXX | XXXX | Borrower 1 Years in Current Home | the1003Page | 1.58 | 19 | Per 1003  |
| 995054 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| 995054 | XXXX | XXXX | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 5 | 1.0 | Per 1003 |
| 995808 | XXXX | XXXX | XXXX | XXXX | Borrower 1 Do you intend to occupy property as primary residence? | the1003Page | No | Unknown | Per business purpose |
| 995808 | XXXX | XXXX | XXXX | XXXX | Borrower 2 Do you intend to occupy property as primary residence? | the1003Page | No | Unknown | Per business purpose |
| 995808 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| 1002791 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application. |
| 1004376 | XXXX | XXXX | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | per 1003 |
| 1004376 | XXXX | XXXX | XXXX | XXXX | Borrower 1 Years in Current Home | the1003Page | 4.3 | 24 | Year in current residence verified via the Fraud Report |
| 1004376 | XXXX | XXXX | XXXX | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | True data is appraised value. Tape reflects initial list price |
| 1009915 | XXXX | XXXX | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | DSCR loan |
| 1009915 | XXXX | XXXX | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1.0 | Subject and primary |
| 1010930 | XXXX | XXXX | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | per loan approval. |
| 1010930 | XXXX | XXXX | XXXX | XXXX | Borrower 1 Years in Current Home | the1003Page | 3.92 | 47 | tape reflects months. |
| 1010930 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per the application in the file.. |
| 1011152 | XXXX | XXXX | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per file |
| 1011215 | XXXX | XXXX | XXXX | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | per ID / 1003 |
| 1011215 | XXXX | XXXX | XXXX | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | B1 is W2 and S/E |
| 1011215 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| 1011229 | XXXX | XXXX | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 3 | 1.0 | Per 1003, credit report |
| 1012581 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Final Credit Report |
| 1012581 | XXXX | XXXX | XXXX | XXXX | Number of Units | propertyValuationPage | 4 | 3.0 | The file contain lease agreement for 4 units, verified with the appraisal with 4 units.  |

---

## Exhibit 99.32

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redaction ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 653556 | XXXX | XXXX | XXXX<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 671301 | XXXX | XXXX | XXXX<br> D<br> A<br> C | Closed | XXXX | 2025-07-10 08:28 | 2025-08-01 08:52 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Missing income documentation | Resolved-Received tax preparers validation - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. Tax preparer is apart of the XXXX program with a with a valid PTIN number per guides he has met requirements of his letter and business. please clear with screen show of him verified through XXXX site - Seller-07/30/2025 <br> Counter-dbpr provided is insufficient. It does not disclose the license Number and Status States "Eligible for Exam. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. Please find the cpa license info - Seller-07/25/2025 <br> Counter-Documentation is insufficient-please provide CPA license validation. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. verification of CPA please clear finding - Seller-07/15/2025 <br> Open-No verification or validation of the CPA was identified in the file. This is required. - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. Tax preparer is apart of the XXXX program with a with a valid PTIN number per guides he has met requirements of his letter and business. please clear with screen show of him verified through XXXX site - Seller-07/30/2025 <br> Ready for Review-Document Uploaded. Please find the cpa license info - Seller-07/25/2025 <br> Ready for Review-Document Uploaded. verification of CPA please clear finding - Seller-07/15/2025<br>| Resolved-Received tax preparers validation - Due Diligence Vendor-08/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 required, 692 verified. <br>Months Reserves exceed minimum required - 6 months required, subject 69 months  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4762810 |
| 671301 | XXXX | XXXX | XXXX<br> D<br> A<br> C | Closed | XXXX | 2025-07-10 15:21 | 2025-07-17 16:43 | Resolved | 1 - Information<br> C<br> A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received policy reflecting sufficient coverage. - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. please find title and clear - Seller-07/15/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). title coverage is not sufficient - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. please find title and clear - Seller-07/15/2025<br>| Resolved-Received policy reflecting sufficient coverage. - Due Diligence Vendor-07/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 required, 692 verified. <br>Months Reserves exceed minimum required - 6 months required, subject 69 months  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4771583 |
| 671301 | XXXX | XXXX | XXXX<br> D<br> A<br> C | Closed | XXXX | 2025-07-08 13:39 | 2025-07-17 16:42 | Resolved | 1 - Information<br> C<br> A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. please find the dot w/legal - Seller-07/15/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. please find the dot w/legal - Seller-07/15/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 required, 692 verified. <br>Months Reserves exceed minimum required - 6 months required, subject 69 months  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4734925 |
| 671301 | XXXX | XXXX | XXXX<br> D<br> A<br> C | Closed | XXXX | 2025-07-10 07:24 | 2025-07-17 16:41 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Received flood insurance policy. - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. Please find the flood ins - Seller-07/15/2025 <br>Open-Missing Flood Insurance Policy The flood policy with Selective was not identified in the file. - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. Please find the flood ins - Seller-07/15/2025<br>| Resolved-Received flood insurance policy. - Due Diligence Vendor-07/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 required, 692 verified. <br>Months Reserves exceed minimum required - 6 months required, subject 69 months  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4762245 |
| 671301 | XXXX | XXXX | XXXX<br> D<br> A<br> C | Closed | XXXX | 2025-07-10 07:24 | 2025-07-17 16:36 | Resolved | 1 - Information<br> C<br> A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received RCE confirming sufficient coverage. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. RCE coverage of the replace cost - Seller-07/15/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. The policy does not have guaranteed replacement and the minimum coverage is the loan amount of XXXX. The amount of coverage is $402,000 which is not sufficient. - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. RCE coverage of the replace cost - Seller-07/15/2025<br>| Resolved-Received RCE confirming sufficient coverage. - Due Diligence Vendor-07/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 required, 692 verified. <br>Months Reserves exceed minimum required - 6 months required, subject 69 months  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4762244 |
| 671301 | XXXX | XXXX | XXXX<br> D<br> A<br> C | Closed | XXXX | 2025-07-08 15:06 | 2025-07-16 10:02 | Resolved | 1 - Information<br> C<br> A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd COC for increase in Loan Origination Fee. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. please find the COC please clear findings - Seller-07/15/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $832.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $832.00 (Origination Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $832.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is XXXX. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. please find the COC please clear findings - Seller-07/15/2025<br>| Resolved-Rec'd COC for increase in Loan Origination Fee. - Due Diligence Vendor-07/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 required, 692 verified. <br>Months Reserves exceed minimum required - 6 months required, subject 69 months  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4737745 |
| 686573 | XXXX | XXXX | XXXX<br> B<br> A | Closed | XXXX | 2025-07-28 14:39 | 2026-03-26 13:54 | Waived | 2 - Non-Material<br> B | Credit | Eligibility | Borrower does not meet residual income requirement | Waived-Originator waiver applied to non-material finding for ATR Residual Income - Due Diligence Vendor-03/26/2026 <br>Open-Residual income does not meet guideline requirement<br> - Due Diligence Vendor-03/26/2026 |  | Waived-Originator waiver applied to non-material finding for ATR Residual Income - Due Diligence Vendor-03/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 693 is higher than the required 600<br> LTV is less than guideline maximum - LTV XXXX is lower than maximum 80% | DTI = 48.17%<br> LTV = XXXX<br> Years at Present Address = 10 years<br> Benefit to Borrower - paying off debts | 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 | Originator Post-Close | Yes | 4969536 |
| 686581 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 713530 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 721961 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-08-14 13:46 | 2025-08-20 17:21 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received OFAC Check Completed and Cleared - Due Diligence Vendor-08/18/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-08/15/2025 <br>Open-OFAC Check Not Completed and/or Cleared Missing the required OFAC check for the appraiser, real estate agents and settlement agents. - Due Diligence Vendor-08/14/2025 |  | Resolved-Received XXXX Check Completed and Cleared - Due Diligence Vendor-08/18/2025<br>| Months Reserves exceed minimum required - 16.08 months reserves; 3 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 788; guidelines require 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5180741 |
| 721961 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-08-12 09:15 | 2025-08-20 17:20 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received Permanent Resident Card. - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Document Uploaded. Please find attached green card. - Buyer-08/19/2025 <br>Open-Borrower Citizenship Documentation Is Missing Borrower is a permanent resiodent alien, missing documentation to meet guidelines to evidence premanent residency. - Due Diligence Vendor-08/14/2025 |  | Resolved-Received Permanent Resident Card. - Due Diligence Vendor-08/20/2025<br>| Months Reserves exceed minimum required - 16.08 months reserves; 3 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 788; guidelines require 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5143143 |
| 722483 | XXXX | XXXX | XXXX<br> C<br> B<br> A | Closed | XXXX | 2025-08-14 16:32 | 2025-08-22 11:23 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Originator waiver applied to non material finding with compensating factors. Exception to allow a rural property. - Due Diligence Vendor-08/22/2025 <br>Ready for Review-DSCR 1, Experienced investor, 0x30x24 mtg history <br> FICO score above program min. by 20 points or higher<br> Cash-Out Refi payments reduced by a min. of 20% or $500 - Buyer-08/21/2025 <br>Counter-Received exception--review is not able to validate the 2 compensating factors. Please provide 2 compensating factors. - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-08/19/2025 <br>Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Subject property location is rural per the appraisal, guidelines do not allow rural properties. - Due Diligence Vendor-08/14/2025 |  | Waived-Originator waiver applied to non material finding with compensating factors. Exception to allow a rural property. - Due Diligence Vendor-08/22/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - The calculated DSCR is 1.008, guideline minimum is 0.75<br>Months Reserves exceed minimum required - 68.61 months reserves; 6 months reserves required | DSCR over 1<br> 68 months of reserves<br> 0x30x24 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5184263 |
| 728823 | XXXX | XXXX | XXXX<br> C<br> A | Closed | XXXX | 2025-08-19 19:49 | 2025-08-25 10:15 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received OFAC clearance for borrower. - Due Diligence Vendor-08/25/2025 <br>Ready for Review-Document Uploaded. please see the attached doc - Seller-08/22/2025 <br>Open-OFAC Check Not Completed and/or Cleared- missing Ofac sanction for borrower and borrower was not on fraud report. - Due Diligence Vendor-08/19/2025 | Ready for Review-Document Uploaded. please see the attached doc - Seller-08/22/2025<br>| Resolved-Received XXXX clearance for borrower. - Due Diligence Vendor-08/25/2025<br>| Months Reserves exceed minimum required - 11.81 months PITIA reserves; 0 months reserves required.<br>DSCR % greater than 1.20 - DSCR 1.505; minimum DSCR 1.00. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5241493 |
| 728823 | XXXX | XXXX | XXXX<br> C<br> A | Closed | XXXX | 2025-08-19 20:10 | 2025-08-25 10:05 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-Received Apostille - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. please see the attached document. the document was in the original package under signed closing package page XX - Seller-08/22/2025 <br> Open-Mortgage is not notarized by XXXX Embassy. foreign national guides- Documents signed by Borrowers outside of the XXXX must be notarized by a XXXX. embassy or consular <br> official. The certificate of acknowledgment must meet the standard notarial requirements and must include the <br> embassy or consular seal. see page XX of XXXX Guides. - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. please see the attached document. the document was in the original package under signed closing package page XX - Seller-08/22/2025<br>| Resolved-Received Apostille - Due Diligence Vendor-08/25/2025<br>| Months Reserves exceed minimum required - 11.81 months PITIA reserves; 0 months reserves required.<br>DSCR % greater than 1.20 - DSCR 1.505; minimum DSCR 1.00. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5241638 |
| 728823 | XXXX | XXXX | XXXX<br> C<br> A | Closed | XXXX | 2025-08-18 08:59 | 2025-08-25 10:05 | Resolved | 1 - Information<br> C<br> A | Credit | Closing | The Deed of Trust is Not Executed | Resolved-Received Apostille. - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. Please see the attached document - this was in the signed docs page XX - Seller-08/22/2025 <br> Open-The Deed of Trust is Not Executed Mortgage is not notarized by XXXX Embassy. foreign national guides- Documents signed by Borrowers outside of the United States must be notarized by a XXXX. embassy or consular <br> official. The certificate of acknowledgment must meet the standard notarial requirements and must include the <br> embassy or consular seal. see page XX of XXXX Guides. - Due Diligence Vendor-08/19/2025 | Ready for Review-Document Uploaded. Please see the attached document - this was in the signed docs page XX - Seller-08/22/2025<br>| Resolved-Received Apostille. - Due Diligence Vendor-08/25/2025<br>| Months Reserves exceed minimum required - 11.81 months PITIA reserves; 0 months reserves required.<br>DSCR % greater than 1.20 - DSCR 1.505; minimum DSCR 1.00. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5208936 |
| 730607 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 733596 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 743852 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 746865 | XXXX | XXXX | XXXX<br> C<br> B<br> A | Closed | XXXX | 2025-09-02 16:11 | 2025-09-03 08:21 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator waiver applied to non-material finding with compensating factors of DTI (19%), residual income ($27,374.32), and FICO (751). - Due Diligence Vendor-09/03/2025 <br>Open-Audited Reserves of 10.24 month(s) are less than Guideline Required Reserves of 12 month(s) At the the time of closing, the borrower's documented assets totaled only 10.24 months. Lender exception in file to allow 6 months reserves. It should be noted that the borrower's compensating factor for "experienced Investor" was not a compensating factor, as they were a FTHB. - Due Diligence Vendor-09/02/2025 |  | Waived-Originator waiver applied to non-material finding with compensating factors of DTI (19%), residual income ($27,374.32), and FICO (751). - Due Diligence Vendor-09/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 751 vs. min FICO 720<br>Qualifying DTI below maximum allowed - 18.95% DTI vs. max DTI 43% | DTI was under 43% max<br> Experienced Investor<br> Minimal consumer debt<br> Residual income exceed $3,000<br> FICO > 10 points above requirement |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 5384901 |
| 746866 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 751130 | XXXX | XXXX | XXXX<br> C<br> A | Closed | XXXX | 2025-09-04 14:34 | 2025-09-09 11:30 | Resolved | 1 - Information<br> C<br> A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received 24 month chain of title - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Document Uploaded. - Seller-09/08/2025 <br>Open-Unsatisfactory Chain of Title provided. Provide a 24 month chain of title - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. - Seller-09/08/2025<br>| Resolved-Received 24 month chain of title - Due Diligence Vendor-09/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 772. Min FICO required 660<br>Months Reserves exceed minimum required - 23 months reserves. Guidelines require 0. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5414858 |
| 752515 | XXXX | XXXX | XXXX<br> C<br> B<br> A | Closed | XXXX | 2025-09-08 09:28 | 2025-09-15 11:51 | Resolved | 1 - Information<br> C<br> A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received Warranty Deed completing the 24 month chain of title. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. Warranty deed uploaded - Seller-09/15/2025 <br> Counter-Received chain of Title from XXXX. Please provide a full 24 month chain of title. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. Warranty Deeds uploaded - Seller-09/10/2025 <br> Counter-Review did not receive uploads-please reupload as file received does not reflect current 24 month chain of title. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-warranty deeds included in original upload, reuploaded - Seller-09/09/2025 <br> Open-Unsatisfactory Chain of Title provided. Provide a copy of the 24 month chain of title - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. Warranty deed uploaded - Seller-09/15/2025 <br>Ready for Review-Document Uploaded. Warranty Deeds uploaded - Seller-09/10/2025 <br>Ready for Review-warranty deeds included in original upload, reuploaded - Seller-09/09/2025<br>| Resolved-Received Warranty Deed completing the 24 month chain of title. - Due Diligence Vendor-09/15/2025<br>| Qualifying DTI below maximum allowed - DTI 39.75%. Max DTI 45%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 751. Min FICO required 680. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5446416 |
| 752515 | XXXX | XXXX | XXXX<br> C<br> B<br> A | Closed | XXXX | 2025-09-08 12:19 | 2025-09-15 11:50 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver for reserves of 1 month <12 mos required, applied to non material finding with comp factors - Due Diligence Vendor-09/15/2025 <br>Ready for Review-Document Uploaded. PC exception uploaded - Seller-09/12/2025 <br>Counter-Received duplicate statement-review is unable to consider fit of $14,600 as ineligible as received from a friend and not an eligible donor. Need to verify $30,130.08 reserves from the borrower's own account. - Due Diligence Vendor-09/10/2025 <br>Ready for Review-Document Uploaded. Total Assets verified $78,734 - $30,180 (12-months reserves) = $48,554 verified funds to close, already included in original upload. Reuploaded - Seller-09/09/2025 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 12 month(s) Provide documentation to verify 12 months PITI reserves from the borrower's own funds. Gift funds cannot be used for reserves, - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. PC exception uploaded - Seller-09/12/2025 <br>Ready for Review-Document Uploaded. Total Assets verified $78,734 - $30,180 (12-months reserves) = $48,554 verified funds to close, already included in original upload. Reuploaded - Seller-09/09/2025<br>| Waived-Originator provided a waiver for reserves of 1 month <12 mos required, applied to non material finding with comp factors - Due Diligence Vendor-09/15/2025<br>| Qualifying DTI below maximum allowed - DTI 39.75%. Max DTI 45%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 751. Min FICO required 680. | DTI: <43%<br> FICO > 10 points above requirement<br> Residual>$3k | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 5450831 |
| 752515 | XXXX | XXXX | XXXX<br> C<br> B<br> A | Closed | XXXX | 2025-09-05 08:04 | 2025-09-10 12:29 | Resolved | 1 - Information<br> C<br> A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-09/10/2025 <br>Ready for Review-Document Uploaded. Mortgage all pages including legal - Seller-09/09/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. Mortgage all pages including legal - Seller-09/09/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-09/10/2025<br>| Qualifying DTI below maximum allowed - DTI 39.75%. Max DTI 45%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 751. Min FICO required 680. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5423870 |
| 754668 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 758252 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-09-11 09:03 | 2025-09-12 11:26 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. uploaded UDM - Seller-09/11/2025 <br>Open-Borrower 1 Gap Credit Report is Missing No gap or UDM was noted - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. uploaded UDM - Seller-09/11/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-09/12/2025<br>| Qualifying DTI below maximum allowed - 39.07% DTI vs. max allowable of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 743 vs. min FICO of 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5497515 |
| 774052 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-09-22 08:51 | 2025-11-24 16:03 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. Please see attached loan guaranty - Seller-10/23/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. The personal guaranty agreement is missing from the loan file. - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. Please see attached loan guaranty - Seller-10/23/2025<br>| Resolved-Received Guaranty Agreement. - Due Diligence Vendor-10/24/2025<br>| Months Reserves exceed minimum required - Reserves = 104 months – Required Reserves = 6 Months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 781 Min FICO = 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5615495 |
| 774052 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-09-18 11:11 | 2025-11-19 16:14 | Resolved | 1 - Information<br> C<br> A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received copy of recorded security instrument reflecting Notary date. - Due Diligence Vendor-11/19/2025 <br>Ready for Review-Document Uploaded. Please see recorded mortgage - Seller-11/18/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Notary is not dated. - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. Please see recorded mortgage - Seller-11/18/2025<br>| Resolved-Received copy of recorded security instrument reflecting Notary date. - Due Diligence Vendor-11/19/2025<br>| Months Reserves exceed minimum required - Reserves = 104 months – Required Reserves = 6 Months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 781 Min FICO = 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5585360 |
| 778319 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-09-25 08:36 | 2026-03-27 10:25 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received revised appraisal confirming release latch for each room. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. Please see pg XX of the attached revised appraisal report. Appraiser has added a supplemental page to confirm presence of safety latches. - Seller-11/24/2025 <br> Counter-Appraisal photos do not confirm quick release nor did the appraiser label or comment-please have Appraiser confirm quick release on bars on rquired windows. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Please review the subject property photos which clearly confirm hinges with quick-release latches present on the security bars. - Seller-11/07/2025 <br> Open-Property Issues are identified for the property Appraiser to comment if the security bars have safety release latches. - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. Please see pg XX of the attached revised appraisal report. Appraiser has added a supplemental page to confirm presence of safety latches. - Seller-11/24/2025 <br> Ready for Review-Please review the subject property photos which clearly confirm hinges with quick-release latches present on the security bars. - Seller-11/07/2025<br>| Resolved-Received revised appraisal confirming release latch for each room. - Due Diligence Vendor-11/25/2025<br>| Months Reserves exceed minimum required - 47.24 months reserves. Min reserves required 2 months.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 687. Min FICO required 660. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5668052 |
| 778319 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-09-25 07:46 | 2025-11-18 15:40 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Disclosure. - Due Diligence Vendor-11/18/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-11/17/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Required for cash out. - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/17/2025<br>| Resolved-Received Business Purpose Disclosure. - Due Diligence Vendor-11/18/2025<br>| Months Reserves exceed minimum required - 47.24 months reserves. Min reserves required 2 months.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 687. Min FICO required 660. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5667492 |
| 781490 | XXXX | XXXX | XXXX<br> C<br> B<br> A | Closed | XXXX | 2025-09-26 10:49 | 2025-10-02 11:27 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator waiver applied to non material finding with compensating factors. 5% LTV exception. - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-10/01/2025 <br> Ready for Review-this is a primary residence - Buyer-09/29/2025 <br> Open-Audited LTV of XXXX exceeds Guideline LTV of 85% Max LTV/CLTV is 85% for purchase transaction per guidelines. - Due Diligence Vendor-09/26/2025 |  | Waived-Originator waiver applied to non material finding with compensating factors. 5% LTV exception. - Due Diligence Vendor-10/02/2025<br>| Months Reserves exceed minimum required - Reserves = 11.79 months – Required Reserves = 6 Months<br>Qualifying DTI below maximum allowed - DTI = 29.01% - Max DTI = 45.00% | DTI below program maximum by 5% points or greater<br> Reserves exceed requirement by 6 months or more<br> Borrower down payment exceeds 10% of own funds | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 5684754 |
| 781490 | XXXX | XXXX | XXXX<br> C<br> B<br> A | Closed | XXXX | 2025-09-26 10:40 | 2025-10-01 11:24 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-After further review, the gap credit had one inquiry for the initial credit report used for this transaction. - Due Diligence Vendor-10/01/2025 <br> Ready for Review-The attached is the gap report and the inquires don't reflect on that report , please review and clear - Buyer-10/01/2025 <br> Counter-Received GAP report. Please provide LOX for inquires reflected on initial report dated XXXX. - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-09/29/2025 <br> Open-LOX for credit inquiries is missing. LOAN FILE IS ABSENT SIGNEG EXPLANATION FOR INQUIRIES. - Due Diligence Vendor-09/26/2025 |  | Resolved-After further review, the gap credit had one inquiry for the initial credit report used for this transaction. - Due Diligence Vendor-10/01/2025<br>| Months Reserves exceed minimum required - Reserves = 11.79 months – Required Reserves = 6 Months<br>Qualifying DTI below maximum allowed - DTI = 29.01% - Max DTI = 45.00% |  | 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 | 5684505 |
| 792231 | XXXX | XXXX | XXXX<br> D<br> B<br> A | Closed | XXXX | 2025-10-06 21:51 | 2025-12-04 18:16 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-The borrower's GAP credit report was provided. - Due Diligence Vendor-12/04/2025 <br>Counter-Received credit reports-please provide Gap Reports. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. Apologies, please see attached. - Seller-12/01/2025 <br>Counter-Received 2 reports for b2. Missing b1 gap report. - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. - Seller-11/25/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. Apologies, please see attached. - Seller-12/01/2025 <br>Ready for Review-Document Uploaded. - Seller-11/25/2025<br>| Resolved-The borrower's GAP credit report was provided. - Due Diligence Vendor-12/04/2025<br>| Qualifying DTI below maximum allowed - 42% vs. max DTI 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 724 vs. min FICO 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5795848 |
| 792231 | XXXX | XXXX | XXXX<br> D<br> B<br> A | Closed | XXXX | 2025-10-06 08:45 | 2025-12-04 10:16 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOEs - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/01/2025 <br>Counter-Received 2 uploaded for b2. Missing b1 - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. - Seller-11/25/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/01/2025 <br>Ready for Review-Document Uploaded. - Seller-11/25/2025<br>| Resolved-Received VVOEs - Due Diligence Vendor-12/04/2025<br>| Qualifying DTI below maximum allowed - 42% vs. max DTI 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 724 vs. min FICO 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5780901 |
| 792231 | XXXX | XXXX | XXXX<br> D<br> B<br> A | Closed | XXXX | 2025-12-01 09:16 | 2025-12-03 13:30 | Resolved | 1 - Information<br> C<br> A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-12/01/2025 <br> Open-\*\*\*\*NEW\*\*\*\* ----Zero (0%) tolerance fees increased by $700.00 (Appraisal Fee 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 $700.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations -3 Year(s); Expiration Date: XXXX<br> - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/01/2025<br>| Resolved------Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-12/03/2025<br>| Qualifying DTI below maximum allowed - 42% vs. max DTI 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 724 vs. min FICO 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6426990 |
| 792231 | XXXX | XXXX | XXXX<br> D<br> B<br> A | Closed | XXXX | 2025-10-02 13:33 | 2025-12-01 09:40 | Resolved | 1 - Information<br> D<br> A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-----Received LOE for application Error. Finding Resolved. - Due Diligence Vendor-12/01/2025 <br> Counter------Initial 1003 in file with matching ULI # is dated XXXX, same date as one included in documents provided. Please proved an initial LE dated within 3 days of initial application. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. Initial Disclosures for TRID requirements attached. - Seller-11/24/2025 <br> Open------ Missing initial LE, additional findings may apply upon receipt. - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. Initial Disclosures for TRID requirements attached. - Seller-11/24/2025<br>| Resolved-----Received LOE for application Error. Finding Resolved. - Due Diligence Vendor-12/01/2025<br>| Qualifying DTI below maximum allowed - 42% vs. max DTI 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 724 vs. min FICO 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5754979 |
| 792231 | XXXX | XXXX | XXXX<br> D<br> B<br> A | Closed | XXXX | 2025-10-02 13:39 | 2025-12-01 09:14 | Resolved | 1 - Information<br> C<br> A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved------Received LOE for application error. Finding Resolved. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. The issue on this loan is related to an intermittent system error which we discovered and resolved in the last few weeks. In certain circumstances, our proprietary LOS was populating an erroneous date next to the MLO signature on the URLA. I have uploaded a MLO certification as to the correct application date for this file. - Seller-11/26/2025 <br> Counter------Initial 1003 in file with matching ULI # is dated XXXX, same date as one included in documents provided. Please proved an Homeowners Counseling List dated within 3 days of initial application. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document included with Initial Disclosures attached to TRID LE exception. - Seller-11/24/2025 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take 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 §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on (XXXX)As not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. The issue on this loan is related to an intermittent system error which we discovered and resolved in the last few weeks. In certain circumstances, our proprietary LOS was populating an erroneous date next to the MLO signature on the URLA. I have uploaded a MLO certification as to the correct application date for this file. - Seller-11/26/2025 <br>Ready for Review-Document included with Initial Disclosures attached to TRID LE exception. - Seller-11/24/2025<br>| Resolved------Received LOE for application error. Finding Resolved. - Due Diligence Vendor-12/01/2025<br>| Qualifying DTI below maximum allowed - 42% vs. max DTI 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 724 vs. min FICO 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5755087 |
| 792231 | XXXX | XXXX | XXXX<br> D<br> B<br> A | Closed | XXXX | 2025-10-02 13:06 | 2025-12-01 09:13 | Resolved | 1 - Information<br> D<br> A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Received signed Right of Rescission. Finding Resolved. - Due Diligence Vendor-11/25/2025 <br>Ready for Review-Document Uploaded. Please see attached notice of right to cancel - Seller-11/25/2025 <br>Open-Right of Rescission is Missing Please provide Right to Cancel form. - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. Please see attached notice of right to cancel - Seller-11/25/2025<br>| Resolved-Received signed Right of Rescission. Finding Resolved. - Due Diligence Vendor-11/25/2025<br>| Qualifying DTI below maximum allowed - 42% vs. max DTI 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 724 vs. min FICO 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5754463 |
| 792231 | XXXX | XXXX | XXXX<br> D<br> B<br> A | Closed | XXXX | 2025-10-06 21:46 | 2025-11-26 16:22 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Explanation provided for b2 housing. - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Supplemental: The file contains a lettter of explanation from the co-borrower regarding living with family. In addition, below the borrower's statement, her mother also provided verification the co-borrower lives with her rent free. - Seller-11/25/2025 <br>Ready for Review-According to the URLA, the co-borrower is living rent free. Therefore, no VOR is available for her. - Seller-11/25/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing VOR and payment for non occupant co-borrower - Due Diligence Vendor-10/07/2025 | Ready for Review-Supplemental: The file contains a lettter of explanation from the co-borrower regarding living with family. In addition, below the borrower's statement, her mother also provided verification the co-borrower lives with her rent free. - Seller-11/25/2025 <br>Ready for Review-According to the URLA, the co-borrower is living rent free. Therefore, no VOR is available for her. - Seller-11/25/2025<br>| Resolved-Explanation provided for b2 housing. - Due Diligence Vendor-11/26/2025<br>| Qualifying DTI below maximum allowed - 42% vs. max DTI 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 724 vs. min FICO 680 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5795821 |
| 792231 | XXXX | XXXX | XXXX<br> D<br> B<br> A | Closed | XXXX | 2025-10-02 13:06 | 2025-10-02 13:06 | Waived | 2 - Non-Material<br> B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material findings. - Due Diligence Vendor-10/02/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material findings. - Due Diligence Vendor-10/02/2025<br>| Qualifying DTI below maximum allowed - 42% vs. max DTI 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 724 vs. min FICO 680 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 5754464 |
| 792232 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-10-03 11:25 | 2025-12-02 13:05 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-guaranty agreement provided. - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. - Seller-12/02/2025 <br>Counter-Business purpose affidavit provided, need guaranty agreement - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. Please see the attached docs - Seller-12/01/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025 <br>Ready for Review-Document Uploaded. Please see the attached docs - Seller-12/01/2025<br>| Resolved-guaranty agreement provided. - Due Diligence Vendor-12/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 774 FICO is less than 680 Min per guidelines<br>Months Reserves exceed minimum required - 17 mos reserves exceeds min 6 required per guidelines |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5767580 |
| 792232 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-10-03 16:41 | 2025-12-02 10:32 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-All three properties are owned by the borrower's business and may be excluded from the DTI. XXXX is a commercial property and mortgage statements for the other 2 properties are in the business name. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. Please see attached mortgage statements. These 3 properties are held in the business's name, and as such they do not need to be included on the 1003. - Seller-11/25/2025 <br> Counter-Confirmed XXXX is a commercial property and the mortgage statement was provided for XXXX. The file contains a mortgage statement for XXXX but the property is not on the 1003. - Due Diligence Vendor-11/03/2025 <br> Open-Provide Mortgage statement and credit history: XXXX<br> Provide Mortgage statement: XXXX<br> Provide credit history: XXXX<br> - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. Please see attached mortgage statements. These 3 properties are held in the business's name, and as such they do not need to be included on the 1003. - Seller-11/25/2025<br>| Resolved-All three properties are owned by the borrower's business and may be excluded from the DTI. Poplar is a commercial property and mortgage statements for the other 2 properties are in the business name. - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 774 FICO is less than 680 Min per guidelines<br>Months Reserves exceed minimum required - 17 mos reserves exceeds min 6 required per guidelines |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5772482 |
| 792232 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-10-03 14:45 | 2025-12-02 10:31 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-All three properties are owned by the borrower's business and may be excluded from the DTI. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-You are reviewing this to XXXX' guidelines. The deeds to the two properties confirm the borrower does not personally own the properties in question. The loan documentation that we provided confirm that the borrower only executed the documentation as a representative of the title-holding entity. This documentation satisfies the requirements is Verus' guidelines and also GSE requirements. Kindly correct the DTI according to this evidence and remove condition. - Seller-12/02/2025 <br> Counter-Received Property profile for XXXX. Pg XX of pdf reflect a mortgage statement for XXXX. Missing PITIA for other noted properties that are on 1003. - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. This is a commercial property under his business. The property report is attached to the fraud report. Where are you getting the address XXXX from? When you do a property search, it comes up as vacant land. Because XXXX is a commercial property under his business's name, we don't put that on our REO. - Seller-10/31/2025 <br> Open-Audited DTI of 51.29% exceeds Guideline DTI of 50% Not all REO debts were considered, incomplete information also: <br> Missing information from REO:<br> No mtg stmt or Credit history: XXXX<br> No mtg stmt: XXXX<br> No Credit History: XXXX - Due Diligence Vendor-10/03/2025 | Ready for Review-You are reviewing this to Verus' guidelines. The deeds to the two properties confirm the borrower does not personally own the properties in question. The loan documentation that we provided confirm that the borrower only executed the documentation as a representative of the title-holding entity. This documentation satisfies the requirements is XXXX' guidelines and also GSE requirements. Kindly correct the DTI according to this evidence and remove condition. - Seller-12/02/2025 <br> Ready for Review-Document Uploaded. This is a commercial property under his business. The property report is attached to the fraud report. Where are you getting the address XXXX from? When you do a property search, it comes up as vacant land. Because XXXX is a commercial property under his business's name, we don't put that on our REO. - Seller-10/31/2025<br>| Resolved-All three properties are owned by the borrower's business and may be excluded from the DTI. - Due Diligence Vendor-12/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 774 FICO is less than 680 Min per guidelines<br>Months Reserves exceed minimum required - 17 mos reserves exceeds min 6 required per guidelines |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5770809 |
| 792232 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-10-03 14:06 | 2025-12-01 14:19 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received fraud report . - Due Diligence Vendor-12/01/2025 <br>Ready for Review-Document Uploaded. Please see attached fraud report. What's missing from the fraud report? - Seller-11/25/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Fraud report not found in file - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. Please see attached fraud report. What's missing from the fraud report? - Seller-11/25/2025<br>| Resolved-Received fraud report . - Due Diligence Vendor-12/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 774 FICO is less than 680 Min per guidelines<br>Months Reserves exceed minimum required - 17 mos reserves exceeds min 6 required per guidelines |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5770177 |
| 792232 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-10-03 14:06 | 2025-12-01 14:19 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received fraud report . - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. Please see attached XXXX and Fraud report. - Seller-11/25/2025 <br> Open-XXXX Check Not Completed and/or Cleared Fraud report not found in file - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. Please see attached OFAC and Fraud report. - Seller-11/25/2025<br>| Resolved-Received fraud report . - Due Diligence Vendor-12/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 774 FICO is less than 680 Min per guidelines<br>Months Reserves exceed minimum required - 17 mos reserves exceeds min 6 required per guidelines |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5770178 |
| 792232 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-10-03 14:06 | 2025-12-01 14:19 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report . - Due Diligence Vendor-12/01/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/25/2025 <br>Open-Missing Third Party Fraud Report Fraud report not found in file - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-11/25/2025<br>| Resolved-Received fraud report . - Due Diligence Vendor-12/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 774 FICO is less than 680 Min per guidelines<br>Months Reserves exceed minimum required - 17 mos reserves exceeds min 6 required per guidelines |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5770179 |
| 817405 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-11-03 11:16 | 2026-03-27 09:57 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received Final 1003. - Due Diligence Vendor-03/27/2026 <br>Open-Missing 1003 - Due Diligence Vendor-03/27/2026 |  | Resolved-Received Final 1003. - Due Diligence Vendor-03/27/2026<br>| LTV is less than guideline maximum - LTV XXXX is lower than maximum 90%<br> Qualifying DTI below maximum allowed - DTI 30.38% is lower than allowable 50% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6099273 |
| 817405 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-10-24 13:11 | 2025-11-04 17:22 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Updated credit report provided, dated within 30 days of closing. - Due Diligence Vendor-11/04/2025 <br>Counter-Credit report received reflects different fico scores-please confirm this report is the final report. (Gap Credit Reports do not include credit scores) - Due Diligence Vendor-10/31/2025 <br>Ready for Review-Document Uploaded. This is the gap report. It was pulled after the original credit report and 8 business days prior to closing. Please see attached credit report and gap report. - Seller-10/29/2025 <br>Counter-Received credit report-please provide gap credit report. - Due Diligence Vendor-10/28/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/27/2025 <br>Open-Borrower 1 Gap Credit Report is Missing No UDM or soft pull - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. This is the gap report. It was pulled after the original credit report and 8 business days prior to closing. Please see attached credit report and gap report. - Seller-10/29/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/27/2025<br>| Resolved-Updated credit report provided, dated within 30 days of closing. - Due Diligence Vendor-11/04/2025<br>| LTV is less than guideline maximum - LTV XXXX is lower than maximum 90%<br> Qualifying DTI below maximum allowed - DTI 30.38% is lower than allowable 50% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6008431 |
| 817405 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-10-24 13:38 | 2025-11-04 17:22 | Resolved | 1 - Information<br> B<br> A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-10/28/2025 <br>Ready for Review-Document Uploaded. Please see attached 1008 - Seller-10/27/2025 <br>Open-Missing Approval/Underwriting Summary • All applicable loans must include documentation evidencing agency ineligibility on the following:<br>• Alt Doc: DU or LPA findings and the 1008 - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. Please see attached 1008 - Seller-10/27/2025<br>| Resolved-Received 1008 - Due Diligence Vendor-10/28/2025<br>| LTV is less than guideline maximum - LTV XXXX is lower than maximum 90%<br> Qualifying DTI below maximum allowed - DTI 30.38% is lower than allowable 50% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6008959 |
| 831942 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-10-30 08:39 | 2026-03-27 09:47 | Resolved | 1 - Information<br> D<br> A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-----Received initial 1003 dated XXXX. Finding Resolved. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. Please see the upl ini 1003 - Seller-11/04/2025 <br> Open-The Initial 1003 is Missing -----Please provide Initial 1003 dated by originator. - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. Please see the upl ini 1003 - Seller-11/04/2025<br>| Resolved-----Received initial 1003 dated XXXX. Finding Resolved. - Due Diligence Vendor-11/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO is 758. Min FICO required is 720.<br>Qualifying DTI below maximum allowed - DTI is 39.23%. Max DTI allowed is 43%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6064816 |
| 831942 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-11-06 10:40 | 2025-11-07 09:44 | Resolved | 1 - Information<br> C<br> A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD. No further documentation required. - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. please see the uploaded pccd - Seller-11/06/2025 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. \*\*\*\*New\*\*\*\* Final CD shows disbursement date of XXXX, but closing date is XXXX. Provide evidence the loan did not disburse prior to closing. <br> - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. please see the uploaded pccd - Seller-11/06/2025<br>| Resolved-Received PCCD. No further documentation required. - Due Diligence Vendor-03/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO is 758. Min FICO required is 720.<br>Qualifying DTI below maximum allowed - DTI is 39.23%. Max DTI allowed is 43%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6153826 |
| 831942 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-10-30 09:20 | 2025-11-07 09:40 | Resolved | 1 - Information<br> C<br> A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-----Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-per the Funding manager-the APR did NOT increase by more than .125% - Seller-11/04/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised 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 revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised 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 transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. -----The APR of XXXX on CD XXXX changed to XXXX on final CD XXXX without a new three day waiting period. - Due Diligence Vendor-10/30/2025 | Ready for Review-per the Funding manager-the APR did NOT increase by more than .125% - Seller-11/04/2025<br>| Resolved-----Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-11/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO is 758. Min FICO required is 720.<br>Qualifying DTI below maximum allowed - DTI is 39.23%. Max DTI allowed is 43%. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6065661 |
| 831942 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-10-30 09:20 | 2025-11-06 10:44 | Resolved | 1 - Information<br> C<br> A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved------Received COC for lender credit. Finding Resolved. - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. Please see the upl coc - Seller-11/05/2025 <br> Counter------This finding has nothing to due with the APR. -----Lender credit decreased from $4603.25 to $1397.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $3206.25, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. Finding Remains. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-per the Funding manager-the APR did NOT increase by more than .125% - Seller-11/04/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($1,397.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($4,603.25). 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). -----Lender credit decreased from $4603.25 to $1397.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $3206.25, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. Please see the upl coc - Seller-11/05/2025 <br>Ready for Review-per the Funding manager-the APR did NOT increase by more than .125% - Seller-11/04/2025<br>| Resolved------Received COC for lender credit. Finding Resolved. - Due Diligence Vendor-11/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO is 758. Min FICO required is 720.<br>Qualifying DTI below maximum allowed - DTI is 39.23%. Max DTI allowed is 43%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6065662 |
| 832082 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-10-31 13:48 | 2025-11-19 12:11 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Per the lender, gap reports are not required on DSCR loans. - Due Diligence Vendor-11/19/2025 <br>Open-Borrower 1 Gap Credit Report is Missing missing - Due Diligence Vendor-10/31/2025 |  | Resolved-Per the lender, gap reports are not required on DSCR loans. - Due Diligence Vendor-11/19/2025<br>| LTV is less than guideline maximum - Maximum LTV allowed is 75% - actual LTV is 50%<br>Months Reserves exceed minimum required - Required is 3 months reserves - actual is 19.26 months reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6085830 |
| 859953 | XXXX | XXXX | XXXX<br> C<br> B<br> A | Closed | XXXX | 2025-11-26 09:56 | 2025-11-26 10:43 | Resolved | 1 - Information<br> C<br> A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $1720000 is sufficient based on the type of subject lien - Due Diligence Vendor-11/26/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title coverage is not sufficient - Due Diligence Vendor-11/26/2025 |  | Resolved-Title Coverage Amount of $1720000 is sufficient based on the type of subject lien - Due Diligence Vendor-11/26/2025<br>| Long term residence - Borrower at current residence for 10+ years<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742 Required is 700 Borrower has 742 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6399316 |
| 859953 | XXXX | XXXX | XXXX<br> C<br> B<br> A | Closed | XXXX | 2025-11-24 13:35 | 2025-11-26 10:11 | Waived | 2 - Non-Material<br> B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Originator waiver applied to non-material findings. - Due Diligence Vendor-03/26/2026 <br>Open-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Originator waiver applied to non-material findings. - Due Diligence Vendor-11/24/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Originator waiver applied to non-material findings. - Due Diligence Vendor-03/26/2026<br>| Long term residence - Borrower at current residence for 10+ years<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742 Required is 700 Borrower has 742 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6368517 |
| 864613 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 865346 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-11-25 15:54 | 2025-11-26 14:05 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Assets reduced by the 2 large deposits.<br> - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/26/2025 <br> Ready for Review-Please be advised that deducting these deposits has zero impact on reserves and that they do not impact income in any way. We had 27 months of reserves. Deducting those deposits would still leave us with plenty.<br>- Buyer-11/26/2025 <br> Open-Large deposits XXXXto be sourced/explained - Due Diligence Vendor-11/25/2025 |  | Resolved-Assets reduced by the 2 large deposits.<br> - Due Diligence Vendor-11/26/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.3<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 741 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6389688 |
| 866779 | XXXX | XXXX | XXXX<br> D<br> B<br> A | Closed | XXXX | 2025-11-26 18:53 | 2025-12-19 17:31 | Waived | 2 - Non-Material<br> C<br> B | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Waived-Originator waiver applied to non-material finding with compensating factors. Post closing credit report with scores provided in lieu of gap report. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-The file contains a credit report from XXXX and we also obtained a refreshed credit report dated XXXX. Both confirm no adverse changes to credit. The mid-score remains greater than 800. There should be no issue. Please clear or contact with concerns. - Seller-12/18/2025 <br> Counter-Received pre qual credit report with FICO scores-provide credit gap report. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. Please see attached credit refreshes - Seller-12/09/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). missing more recent gap report - Due Diligence Vendor-11/26/2025 | Ready for Review-The file contains a credit report from XXXX and we also obtained a refreshed credit report dated XXXX. Both confirm no adverse changes to credit. The mid-score remains greater than 800. There should be no issue. Please clear or contact with concerns. - Seller-12/18/2025 <br> Ready for Review-Document Uploaded. Please see attached credit refreshes - Seller-12/09/2025<br>| Waived-Originator waiver applied to non-material finding with compensating factors. Post closing credit report with scores provided in lieu of gap report. - Due Diligence Vendor-12/19/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.45 Required is 50 Borrower has 31.11<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 806 Required is 700 Borrower has 806 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6410448 |
| 866779 | XXXX | XXXX | XXXX<br> D<br> B<br> A | Closed | XXXX | 2025-11-30 13:48 | 2025-12-11 14:55 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Document Uploaded. - Seller-12/10/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing • Business Purpose and Occupancy Affidavit (eResi specific) is required on all Investment transactions that are closed as Business Purpose (DSCR Program) and/or vested in the name of an entity (non-DSCR but closed in the name of a business). For the Agency NOO program a BP affidavit is not required unless it is cash-out - Due Diligence Vendor-11/30/2025 | Ready for Review-Document Uploaded. - Seller-12/10/2025<br>| Resolved-Received business purpose affidavit. - Due Diligence Vendor-12/11/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.45 Required is 50 Borrower has 31.11<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 806 Required is 700 Borrower has 806 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6423030 |
| 869879 | XXXX | XXXX | XXXX<br> D<br> B<br> A | Closed | XXXX | 2025-12-02 10:29 | 2026-03-26 11:28 | Resolved | 1 - Information<br> C<br> A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Updated enrolled Agent Attestation provided. - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-12/09/2025 <br>Counter-Pending validation of expense ratio. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-12/03/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending income documentation to support the expense factor and ownership percentage, gap credit, and explanation for inquiry. - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-12/09/2025<br>| Resolved-Updated enrolled Agent Attestation provided. - Due Diligence Vendor-12/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 788<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.01 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6445615 |
| 869879 | XXXX | XXXX | XXXX<br> D<br> B<br> A | Closed | XXXX | 2025-12-02 10:32 | 2025-12-11 10:38 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Updated enrolled Agent Attestation provided. - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-12/09/2025 <br>Counter-Received duplicate attestation-finding remains. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-12/03/2025 <br>Open-Borrower 1 CPA Letter Missing Enrolled Agent Attestation received. Missing evidence that the EA who prepared the Attestation and provided an expense ratio has knowledge of the business. Per attestation the EA did not prepare the business tax returns, did not audit the business financial statements, and did not review working papers provided by the borrower. EA states no relationship to the borrower or business. Unable to determine how the EA was able to make any determination on the overall health of the business, its expense ratio, and impact of business use of funds. Auditor used 15% expense factor in the interim. Additional findings may apply. - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-12/09/2025<br>| Resolved-Updated enrolled Agent Attestation provided. - Due Diligence Vendor-12/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 788<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.01 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6445684 |
| 869879 | XXXX | XXXX | XXXX<br> D<br> B<br> A | Closed | XXXX | 2025-12-02 17:24 | 2025-12-08 16:03 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator provided a waiver for LTV, applied to non material finding with comp factors - non material, 5% variance. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. Please see attached exception approval for the LTV - Seller-12/05/2025 <br> Open-Audited LTV of XXXX exceeds Guideline LTV of XXXX Per matrix max LTV for rate/term refi is XXXX - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. Please see attached exception approval for the LTV - Seller-12/05/2025<br>| Waived-Originator provided a waiver for LTV, applied to non material finding with comp factors - non material, 5% variance. - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 788<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.01 | DTI below program maximum by 5% points or greater<br> FICO score above program min. by 20 points or higher<br> Rate and Term Refi payment reduction ≥ 10% | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 6455775 |
| 869879 | XXXX | XXXX | XXXX<br> D<br> B<br> A | Closed | XXXX | 2025-12-02 10:15 | 2025-12-04 16:41 | Resolved | 1 - Information<br> C<br> A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received credit refresh. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. - Seller-12/03/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). A gap credit report or Undisclosed Debt Monitoring report is required no more than 10- days prior to loan <br> closing or any time after closing. - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. - Seller-12/03/2025<br>| Resolved-Received credit refresh. - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 788<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.01 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6445191 |
| 869879 | XXXX | XXXX | XXXX<br> D<br> B<br> A | Closed | XXXX | 2025-11-26 13:20 | 2025-11-26 14:09 | Waived | 2 - Non-Material<br> B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/26/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 788<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.01 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 6404784 |
| 871493 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 871494 | XXXX | XXXX | XXXX<br> D<br> B<br> A | Closed | XXXX | 2025-12-01 09:54 | 2025-12-05 14:30 | Waived | 2 - Non-Material<br> D<br> B | Credit | Missing Doc | Missing Lease Agreement | Waived-Originator provided a waiver to use 1007 current rent value in lieu of lease agreement, applied to non material finding with comp factors <br> LTV/CLTV below required by 5% or more - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-12/03/2025 <br>Open-Missing lease agreement on subject property - Due Diligence Vendor-12/01/2025 |  | Waived-Originator provided a waiver to use 1007 current rent value in lieu of lease agreement, applied to non material finding with comp factors <br> LTV/CLTV below required by 5% or more - Due Diligence Vendor-12/05/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower has XXXX Required is 75 Borrower has XXXX<br> Months Reserves exceed minimum required - 56.76 mos reserves; 6 mos required | FICO score above program min. by 20 points or higher | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 6427645 |
| 874059 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-12-23 16:31 | 2026-01-13 13:45 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received corrected Note, Personal Guaranty, Loan Agreement and Business purpose removing 2nd signor. Borrower only considered. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. The closing documents were prepared in error showing both XXXX and XXXX as borrowers on this transaction. Only XXXX is the borrower. XXXX should have only signed documents to acknowledge her title interest due to her ownership interest in XXXX, LLC. We have had corrected documents executed showing only XXXX as borrower. - Seller-01/09/2026 <br> Open-Missing credit report for borrower 2 who signed Note, Mortgage and Personal Guaranty - Due Diligence Vendor-12/23/2025 | Ready for Review-Document Uploaded. The closing documents were prepared in error showing both XXXX and XXXX as borrowers on this transaction. Only XXXX is the borrower. XXXX should have only signed documents to acknowledge her title interest due to her ownership interest in XXXX, LLC. We have had corrected documents executed showing only XXXX as borrower. - Seller-01/09/2026<br>| Resolved-Received corrected Note, Personal Guaranty, Loan Agreement and Business purpose removing 2nd signor. Borrower only considered. - Due Diligence Vendor-01/13/2026<br>| On time mortgage history exceeds guideline requirement - Borrower has 0x30x47 months, 0x30x12 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO required is 640, Borrower has 698 Required is 640 Borrower has 698<br>Months Reserves exceed minimum required - 3 mos PITIA reserves required and Brw has 87 mos. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6772537 |
| 876284 | XXXX | XXXX | XXXX<br> C<br> B<br> A | Closed | XXXX | 2025-12-04 16:16 | 2025-12-09 17:07 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator provided a waiver for LTV, applied to non material finding with comp factors - Non-Material. 5% variance - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-12/05/2025 <br> Open-Audited LTV of XXXX exceeds Guideline LTV of XXXX . - Due Diligence Vendor-12/04/2025 |  | Waived-Originator provided a waiver for LTV, applied to non material finding with comp factors - Non-Material. 5% variance - Due Diligence Vendor-12/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 684<br>Long term residence - 25 Years.  | Ox30 for 24 months<br> Current Homeownership > 48 months<br> Rate and Term Refi payment reduction > 10%. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 6492842 |
| 885593 | XXXX | XXXX | XXXX<br> C<br> A | Closed | XXXX | 2025-12-09 18:30 | 2025-12-16 10:59 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-After further review, the inquires are a result of this transaction. - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Please be advised that LOE is noted. XXXX is the broker and XXXX credit is the credit report vendor - it was pulled for this transaction. - Buyer-12/12/2025 <br> Open-LOX for credit inquiries is missing. LOX credit inquiries XXXX and XXXX - Due Diligence Vendor-12/11/2025 |  | Resolved-After further review, the inquires are a result of this transaction. - Due Diligence Vendor-12/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 746<br>Months Reserves exceed minimum required - MIn 3, actual 21.87 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6558332 |
| 885593 | XXXX | XXXX | XXXX<br> C<br> A | Closed | XXXX | 2025-12-09 14:01 | 2025-12-16 07:33 | Resolved | 1 - Information<br> C<br> A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved------Received COC XXXX. Finding resolved.. - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. Please find attached valid change of circumstance form. - Buyer-12/12/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($4,371.00). 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). ----- Lender credit decreased from $4371 to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $4371, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-12/09/2025 |  | Resolved------Received COC XXXX. Finding resolved.. - Due Diligence Vendor-12/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 746<br>Months Reserves exceed minimum required - MIn 3, actual 21.87 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6553660 |
| 885785 | XXXX | XXXX | XXXX<br> C<br> A | Closed | XXXX | 2025-12-19 11:01 | 2026-01-06 14:29 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received confirmation to omit authorized user XXXX balance. Sufficient reserves. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-it should not matter if assets are showing payments to XXXX... the credit bureau says the borrower is not liable, so we did our due diligence. It says authorized user on the credit report and we have a supplement confirming it. Meaning, they don't "have to pay" and it should not be counted against them - Seller-01/02/2026 <br> Counter-Received Assets. Assets provided in initial upload reflect the monthly payment to XXXX monthly. Finding remains. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-XXXX is an authorized user account - Seller-12/24/2025 <br> Counter-Received asset worksheet. Reserves include 2 open balance monthly XXXX accounts total $264,495 resulting in shortage of reserves. Finding remains. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. assets enclosed along with asset worksheet... seems to be sufficient assets - Seller-12/22/2025 <br> Open-Audited Reserves of 2.92 month(s) are less than Guideline Required Reserves of 6 month(s) Verified assets are not sufficient to cover minimum reserves required per guidelines. Please provide additional assets. - Due Diligence Vendor-12/19/2025 | Ready for Review-it should not matter if assets are showing payments to XXXX... the credit bureau says the borrower is not liable, so we did our due diligence. It says authorized user on the credit report and we have a supplement confirming it. Meaning, they don't "have to pay" and it should not be counted against them - Seller-01/02/2026 <br> Ready for Review-Account XXXX is an authorized user account - Seller-12/24/2025 <br> Ready for Review-Document Uploaded. assets enclosed along with asset worksheet... seems to be sufficient assets - Seller-12/22/2025<br>| Resolved-Received confirmation to omit authorized user Amex balance. Sufficient reserves. - Due Diligence Vendor-01/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 796 which exceeds the minimum of 700 Required is 700 Borrower has 796<br>Credit history exceeds minimum required - 6 active accounts reporting with the oldest tradeline dated 05/01/2007. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6705158 |
| 886514 | XXXX | XXXX | XXXX<br> C<br> A | Closed | XXXX | 2025-12-11 09:17 | 2025-12-15 11:33 | Resolved | 1 - Information<br> C<br> A | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Resolved-Received correct HOI policy. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. update HOI toshow as XXXX thank you - Seller-12/12/2025 <br> Open-Subject Property on Note does not match Insured Property Address Provide an updated hazard insurance policy to reflect the correct subject property address of XXXX. The hazard insurance in the file reflects XXXX. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. update HOI toshow as XXXX thank you - Seller-12/12/2025<br>| Resolved-Received correct HOI policy. - Due Diligence Vendor-12/15/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x12 required - borrower has 0x30x47 mtg history<br>Months Reserves exceed minimum required - Borrower has 16 months reserves. Guidelines require 0. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6582119 |
| 889320 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 889961 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-12-23 13:11 | 2025-12-29 15:47 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved-Received EIN. - Due Diligence Vendor-12/24/2025 <br>Ready for Review-Document Uploaded. EIN - Seller-12/23/2025 <br>Open-Missing EIN Number for Business Entity. - Due Diligence Vendor-12/23/2025 | Ready for Review-Document Uploaded. EIN - Seller-12/23/2025<br>| Resolved-Received EIN. - Due Diligence Vendor-12/24/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.018 Required is 0.8 Borrower has 1.018<br> LTV is less than guideline maximum - Maximum LTV allowed is 80% - actual LTV is XXXX. Required is 80 Borrower has XXXX<br> Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO score is 700 - actual FICO score is 737. Required is 700 Borrower has 737 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6764685 |
| 890682 | XXXX | XXXX | XXXX<br> C<br> A | Closed | XXXX | 2025-12-24 05:34 | 2025-12-31 15:17 | Resolved | 1 - Information<br> C<br> A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Received SOS confirming businesses initial filing XXXX - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. enclosed please see docs showing business open since XXXX - Seller-12/30/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months CPA did not verify 2 years of existence, per the SOS the business establishment is XXXX per Operating Agreement. Per 1003 the business was established 14 years ago, I don't have sufficient documentation that shows 24 months. - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. enclosed please see docs showing business open since XXXX - Seller-12/30/2025<br>| Resolved-Received SOS confirming businesses initial filing XXXX - Due Diligence Vendor-12/31/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.58<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 704 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6784345 |
| 890816 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-12-24 13:12 | 2025-12-30 16:54 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. GAP report - Seller-12/26/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. GAP report - Seller-12/26/2025<br>| Resolved-Received Gap report. - Due Diligence Vendor-12/30/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.55<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 776 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6792810 |
| 891060 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 891272 | XXXX | XXXX | XXXX<br> C<br> A | Closed | XXXX | 2025-12-15 10:08 | 2025-12-19 12:19 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received proof of release of lien. - Due Diligence Vendor-12/19/2025 <br>Ready for Review-Document Uploaded. uploaded lien search & release of 2 existing mortgages - Seller-12/18/2025 <br>Open-Housing History Does Not Meet Guideline Requirements. Evidence primary property is owned free and clear for past 12 months. Lien Search to be provided to Evidence of no mortgages, liens associated with properties.<br> - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. uploaded lien search & release of 2 existing mortgages - Seller-12/18/2025<br>| Resolved-Received proof of release of lien. - Due Diligence Vendor-12/19/2025<br>| Months Reserves exceed minimum required - 57.32 months reserves; 0 months reserves required<br>DSCR % greater than 1.20 - DSCR ratio 1.68 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6622574 |
| 891277 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 894860 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 894862 | XXXX | XXXX | XXXX<br> D<br> B<br> A | Closed | XXXX | 2025-12-16 16:49 | 2025-12-24 13:09 | Resolved | 1 - Information<br> C<br> A | Credit | Assets | Gift Funds General | Resolved-Received the gift letter in the amount of XXXX and 2 wire transfers totaling XXXX supporting the gift was sent to the title company. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. please have upper management look into this as we have provided the receipts of funds and the gift letter which I have reuploaded. - Seller-12/23/2025 <br> Counter-Received XXXXfrom alternate source and receipt of XXXX from borrower XXXX account noted as assets. CD reflect gift funds. Provide proof of gifts along with gift letter to confirm donors. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. the receipts for funds were uploaded with credit pkg pages XX. i have included again, see attached - Seller-12/18/2025 <br> Open-Missing evidence of transfer of gift funds from donor to closing agent. The closing disclosure dated XXXX reflects that the receipt of the gift for XXXX is pending and it does not show the donor's name - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. please have upper management look into this as we have provided the receipts of funds and the gift letter which I have reuploaded. - Seller-12/23/2025 <br> Ready for Review-Document Uploaded. the receipts for funds were uploaded with credit pkg pages XX. i have included again, see attached - Seller-12/18/2025<br>| Resolved-Received the gift letter in the amount of $30,000.00 and 2 wire transfers totaling $30,000.00 supporting the gift was sent to the title company. - Due Diligence Vendor-12/24/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.17<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 718 |  | 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 | 6651131 |
| 894862 | XXXX | XXXX | XXXX<br> D<br> B<br> A | Closed | XXXX | 2025-12-17 12:03 | 2025-12-24 11:46 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. please see attached from the title company why cities vary on legal and survey<br>- Seller-12/23/2025 <br> Open-Title Document is Incomplete Legal description on title shows city of XXXX however the note and mortgage show XXXX. Missing clarification to final correct name of the city. - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. please see attached from the title company why cities vary on legal and survey<br>- Seller-12/23/2025<br>| Resolved-Title Document is Provided And Complete - Due Diligence Vendor-12/24/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.17<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 718 |  | 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 | 6664422 |
| 894862 | XXXX | XXXX | XXXX<br> D<br> B<br> A | Closed | XXXX | 2025-12-17 12:02 | 2025-12-19 12:04 | Resolved | 1 - Information<br> C<br> A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. please note the legal description was uploaded with the credit pkg, refer to page XX, I have reuploaded as well for you. - Seller-12/18/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. please note the legal description was uploaded with the credit pkg, refer to page XX, I have reuploaded as well for you. - Seller-12/18/2025<br>| Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-12/19/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.17<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 718 |  | 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 | 6664361 |
| 894862 | XXXX | XXXX | XXXX<br> D<br> B<br> A | Closed | XXXX | 2025-12-17 12:36 | 2025-12-17 12:45 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator waiver applied to non material finding with comp factors.<br> - Due Diligence Vendor-12/17/2025 <br>Open-Audited Reserves of 11.98 month(s) are less than Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-12/17/2025 |  | Waived-Originator waiver applied to non material finding with comp factors.<br> - Due Diligence Vendor-12/17/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.17<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 718 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6665256 |
| 896115 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 896118 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | 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 |  |  |  |
| 898352 | XXXX | XXXX | XXXX<br> D<br> A<br> C | Closed | XXXX | 2025-12-22 11:38 | 2026-03-26 13:34 | Resolved | 1 - Information<br> C<br> A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received revised 1003 removing rental income for 3D - Due Diligence Vendor-12/30/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending income documents - Due Diligence Vendor-12/22/2025 |  | Resolved-Received revised 1003 removing rental income for 3D - Due Diligence Vendor-12/30/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.53 Required is 50 Borrower has 34.53<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 741 Required is 680 Borrower has 741 |  |  | 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 | 6736892 |
| 898352 | XXXX | XXXX | XXXX<br> D<br> A<br> C | Closed | XXXX | 2025-12-22 10:01 | 2026-03-26 13:34 | Resolved | 1 - Information<br> C<br> A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received secondary valuation product. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. XXXX valuation attached supporting appraised value used to qualify - Seller-12/24/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. XXXX valuation attached supporting appraised value used to qualify - Seller-12/24/2025<br>| Resolved-Received secondary valuation product. - Due Diligence Vendor-12/30/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.53 Required is 50 Borrower has 34.53<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 741 Required is 680 Borrower has 741 |  | 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 | 6733334 |
| 898352 | XXXX | XXXX | XXXX<br> D<br> A<br> C | Closed | XXXX | 2025-12-22 10:25 | 2025-12-30 14:02 | Resolved | 1 - Information<br> C<br> A | Credit | Income/Employment | Income 5 Months Income Verified is Missing | Resolved-Received revised 1003 removing rental income for 3D. - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. attached amended 1003/1008 for B3 removing the rental income from 3d property…DTI still within GLs. - Seller-12/24/2025 <br>Open-Income 5 Months Income Verified is Missing REO: For REO listed on 3D, the Lender offset the PITI with $3,000 for rents, but no proof of lease and receipt were provided. Audit used more conservative ($2,335.72) - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. attached amended 1003/1008 for B3 removing the rental income from 3d property…DTI still within GLs. - Seller-12/24/2025<br>| Resolved-Received revised 1003 removing rental income for 3D. - Due Diligence Vendor-12/30/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.53 Required is 50 Borrower has 34.53<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 741 Required is 680 Borrower has 741 |  | 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 | 6733804 |
| 898352 | XXXX | XXXX | XXXX<br> D<br> A<br> C | Closed | XXXX | 2025-12-29 12:21 | 2025-12-30 14:01 | Resolved | 1 - Information<br> D<br> A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received the Final 1003 for B2. Finding Resolved. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. please clear condition as all borrowers are in the final 1003 uploaded with credit pkg. B2 is on page XX. see re-upload attached- - Seller-12/29/2025 <br> Open-The Final 1003 is Incomplete File is missing Final 1003 for B2 - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. please clear condition as all borrowers are in the final 1003 uploaded with credit pkg. B2 is on page XX. see re-upload attached- - Seller-12/29/2025<br>| Resolved-Received the Final 1003 for B2. Finding Resolved. - Due Diligence Vendor-12/30/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.53 Required is 50 Borrower has 34.53<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 741 Required is 680 Borrower has 741 |  | 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 | 6836159 |
| 898353 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 898360 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 898889 | XXXX | XXXX | XXXX<br> C<br> B<br> A | Closed | XXXX | 2025-12-19 09:17 | 2025-12-29 11:09 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-IRA statement provided with sufficient assts to cover reserves. - Due Diligence Vendor-12/29/2025 <br>Ready for Review-Document Uploaded. Please see attached statement showing more than the required reserves of 3 months - Buyer-12/29/2025 <br>Ready for Review-Please be advised that the final SS marked as a certified cope on the middle top part. Please also be advised that we don't need an evidence for that the borrower has funds since he alreday got a cash back - Buyer-12/26/2025 <br>Counter-Received revised settlement statement that does not reflect signature as Certified. Provide certified final settlement statement. - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. Please see attached final SS showing a cash back to the borrower and we have $73,066.00 for assets which covers more than the required reserves. - Buyer-12/22/2025 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s). Provide sufficient assets to support total reserves required. - Due Diligence Vendor-12/19/2025 |  | Resolved-IRA statement provided with sufficient assts to cover reserves. - Due Diligence Vendor-12/29/2025<br>| Long term residence - Long term residence >than 4 years.<br>On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement by 0x30 >than 40 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6703030 |
| 898889 | XXXX | XXXX | XXXX<br> C<br> B<br> A | Closed | XXXX | 2025-12-19 09:17 | 2025-12-23 16:54 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator provided a waiver for 692 FICO < 700 required, applied to non material finding with comp factors - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-12/22/2025 <br>Open-Audited FICO of 692 is less than Guideline FICO of 700. Score does not meet the minimum score requirements. - Due Diligence Vendor-12/19/2025 |  | Waived-Originator provided a waiver for 692 FICO < 700 required, applied to non material finding with comp factors - Due Diligence Vendor-12/23/2025<br>| Long term residence - Long term residence >than 4 years.<br>On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement by 0x30 >than 40 months | LTV/CLTV below maximum by 5% or more<br> Rate Term Refi payment reduction = > 10%  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 6703029 |
| 899069 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 900062 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 900236 | XXXX | XXXX | XXXX<br> C<br> B<br> A | Closed | XXXX | 2025-12-24 07:31 | 2025-12-24 07:52 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Originator waiver applied to non material finding with comp factors. Deemed non-material due to 6 total comps given with 1 to 3 having most influence on value.<br> - Due Diligence Vendor-12/24/2025 <br>Open-Property Issues are identified for the property Comps 4 & 5 are the same property. - Due Diligence Vendor-12/24/2025 |  | Waived-Originator waiver applied to non material finding with comp factors. Deemed non-material due to 6 total comps given with 1 to 3 having most influence on value.<br> - Due Diligence Vendor-12/24/2025<br>| DSCR % greater than 1.20 - DSCR 1.34 Rule False<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 713 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 6785752 |
| 900400 | XXXX | XXXX | XXXX<br> B<br> A | Closed | XXXX | 2025-12-24 12:30 | 2025-12-29 07:03 | Waived | 2 - Non-Material<br> B | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Waived-Initial Escrow Account Disclosure is Missing -----Originator waiver applied to non- material Findings. - Due Diligence Vendor-12/24/2025 |  | Waived-Initial Escrow Account Disclosure is Missing -----Originator waiver applied to non- material Findings. - Due Diligence Vendor-12/24/2025<br>| LTV is less than guideline maximum - Required is 80 Borrower has XXXX<br> Months Reserves exceed minimum required - 20.47 mos reserves; 3 mos required |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6791955 |
| 900696 | XXXX | XXXX | XXXX<br> C<br> A | Closed | XXXX | 2026-01-05 10:17 | 2026-01-06 14:43 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Upon further review, the loan file contained all required rate term documentation. - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Document Uploaded. please see the enclosed settlement statement... loan was rate and term and not cash out... borrower paid costs at closing - Seller-01/05/2026 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. please see the enclosed settlement statement... loan was rate and term and not cash out... borrower paid costs at closing - Seller-01/05/2026<br>| Resolved-Upon further review, the loan file contained all required rate term documentation. - Due Diligence Vendor-01/06/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.224; minimum DSCR 0.80 Required is 0.8 Borrower has 1.224<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 775; minimum score 700. Required is 700 Borrower has 775 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6913768 |
| 900696 | XXXX | XXXX | XXXX<br> C<br> A | Closed | XXXX | 2026-01-05 09:50 | 2026-01-06 14:32 | Resolved | 1 - Information<br> C<br> A | Credit | Title | Property Title Issue | Resolved-Received fully executed Withdrawal Agreement for vested entity. - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Document Uploaded. LLC assignment docs - Seller-01/05/2026 <br>Open-Property Title Issue- Per operating agreement borrower is 50% owner. there is an assignment and resignation pdg 409 & pdf 407 where other partner is no longer will be part owner ; missing signature and notary. - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. LLC assignment docs - Seller-01/05/2026<br>| Resolved-Received fully executed Withdrawal Agreement for vested entity. - Due Diligence Vendor-01/06/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.224; minimum DSCR 0.80 Required is 0.8 Borrower has 1.224<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 775; minimum score 700. Required is 700 Borrower has 775 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6913067 |
| 903334 | XXXX | XXXX | XXXX<br> C<br> A | Closed | XXXX | 2025-12-29 13:04 | 2025-12-31 12:55 | Resolved | 1 - Information<br> C<br> A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received secondary valuation. - Due Diligence Vendor-12/31/2025 <br>Ready for Review-Document Uploaded. Please see uploaded AVM<br> - Seller-12/30/2025 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. CU in file reflects a score of 3.8. - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. Please see uploaded AVM<br> - Seller-12/30/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-12/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 726. Required is 680 Borrower has 726<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 28.07. Required is 50 Borrower has 28.07 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6837066 |
| 903334 | XXXX | XXXX | XXXX<br> C<br> A | Closed | XXXX | 2025-12-29 13:10 | 2025-12-31 12:51 | Resolved | 1 - Information<br> C<br> A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received coverage checklist confirming sufficient coverage. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. See attached checklist. - Seller-12/30/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Provide hazard insurance declarations showing coverage of at least $589,500 with an annual premium not to exceed XXXX. If the premium exceeds XXXX, this will need to be adjusted in the DTI calculation. Please note that DTI is not yet finalized, and additional information and/or documentation may be required. - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. See attached checklist. - Seller-12/30/2025<br>| Resolved-Received coverage checklist confirming sufficient coverage. - Due Diligence Vendor-12/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 726. Required is 680 Borrower has 726<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 28.07. Required is 50 Borrower has 28.07 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6837232 |
| 903334 | XXXX | XXXX | XXXX<br> C<br> A | Closed | XXXX | 2025-12-22 00:16 | 2025-12-31 11:08 | Resolved | 1 - Information<br> C<br> A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. Please see uploaded COC - Seller-12/30/2025 <br> Open------Zero (0%) tolerance fees increased by $250.00 (hoa processing fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $250.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year; Expiration Date: XXXX - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. Please see uploaded COC - Seller-12/30/2025<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 726. Required is 680 Borrower has 726<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 28.07. Required is 50 Borrower has 28.07 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6728236 |
| 903336 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 903339 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 903343 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 905906 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 911384 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-12-30 11:45 | 2026-01-06 16:46 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Upon further review, the 1004D is sufficient. Pictures of the side and rear of subject was located in the loan file. - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Document Uploaded. Please se attached 1004D showing completed - Seller-01/02/2026 <br>Counter-No document provided. Pictures are to confirm work completed. - Due Diligence Vendor-01/02/2026 <br>Ready for Review-as per the appraisal the 1004D was for All kitchen appliance to be installed , flooring and wiring and the 1004D covers everything , the Pics mentioned on the comments was already on the report why do we need it on the 1004D - Seller-12/31/2025 <br>Open-Property Issues are identified for the property- 1004D Provided still missing pics of rear view of back of property and side view of property. - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. Please se attached 1004D showing completed - Seller-01/02/2026 <br>Ready for Review-as per the appraisal the 1004D was for All kitchen appliance to be installed , flooring and wiring and the 1004D covers everything , the Pics mentioned on the comments was already on the report why do we need it on the 1004D - Seller-12/31/2025<br>| Resolved-Upon further review, the 1004D is sufficient. Pictures of the side and rear of subject was located in the loan file. - Due Diligence Vendor-01/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 803; minimum score 700. Required is 700 Borrower has 803<br> LTV is less than guideline maximum - LTV XXXX max 90%. Required is 90 Borrower has XXXX |  | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6855951 |
| 911384 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-12-30 11:46 | 2026-01-06 16:46 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Upon further review, the 1004D is sufficient. Pictures of the side and rear of subject was located in the loan file. - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Document Uploaded. Please se attached 1004D showing completed - Buyer-01/02/2026 <br>Counter-No document provided. Pictures are to confirm work completed. - Due Diligence Vendor-01/02/2026 <br>Ready for Review-as per the appraisal the 1004D was for All kitchen appliance to be installed , flooring and wiring and the 1004D covers everything , the Pics mentioned on the comments was already on the report why do we need it on the 1004D - Buyer-12/31/2025 <br>Open-Property Issues are identified for the property- 1004D Provided still missing pics of rear view of back of property and side view of property. - Due Diligence Vendor-12/30/2025 |  | Resolved-Upon further review, the 1004D is sufficient. Pictures of the side and rear of subject was located in the loan file. - Due Diligence Vendor-01/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 803; minimum score 700. Required is 700 Borrower has 803<br> LTV is less than guideline maximum - LTV XXXX max 90%. Required is 90 Borrower has XXXX |  | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6855961 |
| 911384 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-12-30 14:30 | 2026-01-06 16:40 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Missing income documentation | Resolved-Received VVOE for b2 XXXX - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/05/2026 <br> Counter-Received VOE for XXXX, Puragain, and XXXX. Missing VVOE for b2 for XXXX employment. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. Please see attached for the borrower and the Co-borrower - Seller-12/31/2025 <br> Open-Missing VVOE for b2 for XXXX. - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. Please see attached for the borrower and the Co-borrower - Seller-12/31/2025<br>| Resolved-Received VVOE for b2 XXXX - Due Diligence Vendor-01/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 803; minimum score 700. Required is 700 Borrower has 803<br> LTV is less than guideline maximum - LTV XXXX max 90%. Required is 90 Borrower has XXXX |  | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6858981 |
| 911384 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-12-30 13:58 | 2026-01-02 16:29 | Resolved | 1 - Information<br> C<br> A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-The statements reflect POD or payable on death and do not have access to the account. - Due Diligence Vendor-01/02/2026 <br> Counter-Attachment is blank. Please reupload. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. - Seller-12/31/2025 <br> Open-Asset 4 Does Not Meet Guideline Requirements- XXXX has 2 additional persons not on loan. Missing 100% access letter. - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. - Seller-12/31/2025<br>| Resolved-The statements reflect POD or payable on death and do not have access to the account. - Due Diligence Vendor-01/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 803; minimum score 700. Required is 700 Borrower has 803<br> LTV is less than guideline maximum - LTV XXXX max 90%. Required is 90 Borrower has XXXX |  | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6858494 |
| 911384 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-12-30 13:58 | 2026-01-02 16:29 | Resolved | 1 - Information<br> C<br> A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-The statements reflect POD or payable on death and do not have access to the account. - Due Diligence Vendor-01/02/2026 <br> Counter-Attachment is blank. Please reupload. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. These are POD beneficiaries, not parties with access to the funds while the borrower is alive: - Buyer-12/31/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements- XXXX has 2 additional persons not on loan. Missing 100% access letter. - Due Diligence Vendor-12/30/2025 |  | Resolved-The statements reflect POD or payable on death and do not have access to the account. - Due Diligence Vendor-01/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 803; minimum score 700. Required is 700 Borrower has 803<br> LTV is less than guideline maximum - LTV XXXX max 90%. Required is 90 Borrower has XXXX |  | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6858492 |
| 911384 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2025-12-30 11:49 | 2026-01-02 15:50 | Resolved | 1 - Information<br> C<br> A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received RCE. - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Document Uploaded. Please see attached RCE and that was in the package - Seller-12/31/2025 <br>Open-Insufficient Coverage Amount for Insured Subject Property. - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. Please see attached RCE and that was in the package - Seller-12/31/2025<br>| Resolved-Received RCE. - Due Diligence Vendor-01/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 803; minimum score 700. Required is 700 Borrower has 803<br> LTV is less than guideline maximum - LTV XXXX max 90%. Required is 90 Borrower has XXXX |  | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6856033 |
| 916728 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2026-01-05 17:32 | 2026-01-08 09:08 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received tax preparer attestation dated, signed and license validation of tax preparer. - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-01/06/2026 <br>Open-Borrower 1 CPA Letter Missing The tax preparer letter is undated and there is no verification of the tax preparer's license. - Due Diligence Vendor-01/05/2026 |  | Resolved-Received tax preparer attestation dated, signed and license validation of tax preparer. - Due Diligence Vendor-01/08/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has XXXX<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 802<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.31 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6923389 |
| 917285 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2026-01-06 13:02 | 2026-01-08 12:43 | Resolved | 1 - Information<br> D<br> A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received XXXX SSR. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded.XXXX SSR with CU risk score 1.6 was already provided. Reuploaded, please clear - Seller-01/07/2026 <br> Open-Missing secondary valuation - Due Diligence Vendor-01/06/2026 | Ready for Review-Document Uploaded. XXXX SSR with CU risk score 1.6 was already provided. Reuploaded, please clear - Seller-01/07/2026<br>| Resolved-Received XXXX SSR. - Due Diligence Vendor-01/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 770<br>Months Reserves exceed minimum required - >16 vs. 3 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6939604 |
| 917287 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2026-01-06 11:00 | 2026-01-12 11:20 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received ratified lease agreement. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Please see uploaded lease agreement. - Seller-01/09/2026 <br> Open-The lease agreement between the borrower and XXXX, XXXX and XXXX is not signed. - Due Diligence Vendor-01/06/2026 | Ready for Review-Document Uploaded. Please see uploaded lease agreement. - Seller-01/09/2026<br>| Resolved-Received ratified lease agreement. - Due Diligence Vendor-01/12/2026<br>| Months Reserves exceed minimum required - Borrower has 23 months reserves. Guidelines require 3 months.<br>On time mortgage history exceeds guideline requirement - 0x60x27 On time mortgage history exceeds guideline requirement 0x60x12 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6934492 |
| 917287 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2026-01-06 11:37 | 2026-01-12 11:19 | Resolved | 1 - Information<br> C<br> A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received EIN - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Please see uploaded EIN application. - Seller-01/09/2026 <br> Counter-Received entity review report. Missing evidence of EIN. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. please see attached - Seller-01/06/2026 <br> Open-The Business Entity Formation Document is incomplete Missing documentation reflecting XXXX EIN - Due Diligence Vendor-01/06/2026 | Ready for Review-Document Uploaded. Please see uploaded EIN application. - Seller-01/09/2026 <br>Ready for Review-Document Uploaded. please see attached - Seller-01/06/2026<br>| Resolved-Received EIN - Due Diligence Vendor-01/12/2026<br>| Months Reserves exceed minimum required - Borrower has 23 months reserves. Guidelines require 3 months.<br>On time mortgage history exceeds guideline requirement - 0x60x27 On time mortgage history exceeds guideline requirement 0x60x12 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6937445 |
| 917397 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 919206 | XXXX | XXXX | XXXX<br> C<br> A | Closed | XXXX | 2026-01-06 16:24 | 2026-01-12 11:56 | Resolved | 1 - Information<br> C<br> A | Compliance | Points & Fees | GSE (Freddie Mac public guidelines) QM Points and Fees Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-This is a NON QM file, fees cannot go over 5%<br>This clears all 3 items below<br> - Seller-01/09/2026 <br> Open-This loan failed the QM points and fees test. (XXXX)The loan is subject to the ability to repay requirements under Regulation Z, and the points and fees exceed 3% of the total loan amount.Mortgages subject to the ability to repay requirements under Regulation Z with points and fees exceeding 3% of the total loan amount will not be eligible for sale to XXXX. -----Non QM - Due Diligence Vendor-01/06/2026 | Ready for Review-This is a NON QM file, fees cannot go over 5%<br>This clears all 3 items below<br> - Seller-01/09/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 699. Required is 660 Borrower has 699<br> LTV is less than guideline maximum - Required is 85. Borrower has XXXX. Required is 85 Borrower has XXXX<br> Qualifying DTI below maximum allowed - Required is 50. Borrower has 44.41. Required is 50 Borrower has 44.41 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6944696 |
| 919206 | XXXX | XXXX | XXXX<br> C<br> A | Closed | XXXX | 2026-01-06 16:24 | 2026-01-12 11:56 | Resolved | 1 - Information<br> C<br> A | Compliance | Points & Fees | GSE (Fannie Mae public guidelines) QM Points and Fees Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-This is a NON QM file, fees cannot go over 5%<br>This clears all 3 items below<br> - Seller-01/09/2026 <br> Open-This loan failed the QM points and fees test. (XXXX)The loan is subject to the ability to repay requirements under Regulation Z, and the points and fees exceed 3% of the total loan amount.Mortgages subject to the ability to repay requirements under Regulation Z with points and fees exceeding 3% of the total loan amount will not be eligible for sale to XXXX. -----Non QM - Due Diligence Vendor-01/06/2026 | Ready for Review-This is a NON QM file, fees cannot go over 5%<br>This clears all 3 items below<br> - Seller-01/09/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 699. Required is 660 Borrower has 699<br> LTV is less than guideline maximum - Required is 85. Borrower has XXXX. Required is 85 Borrower has XXXX<br> Qualifying DTI below maximum allowed - Required is 50. Borrower has 44.41. Required is 50 Borrower has 44.41 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6944697 |
| 919206 | XXXX | XXXX | XXXX<br> C<br> A | Closed | XXXX | 2026-01-06 16:24 | 2026-01-12 11:56 | Resolved | 1 - Information<br> C<br> A | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-This is a NON QM file, fees cannot go over 5%<br>This clears all 3 items below<br> - Seller-01/09/2026 <br> Open-This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXXXor more, and the transaction's total points and fees is $18,829.02, which exceeds 3 percent of the total loan amount of XXXX; orThe loan amount is less than XXXX but at least XXXX, and the transaction's total points and fees is $18,829.02, which exceeds $4,045.00; orThe loan amount is less than XXXX but at least XXXX, and the transaction's total points and fees is $18,829.02, which exceeds 5 percent of the total loan amount of XXXX; orThe loan amount is less than XXXX but at least XXXX, and the transaction's total points and fees is $18,829.02, which exceeds $1,348.00; orThe loan amount is less than XXXX and the transaction's total points and fees is $18,829.02, which exceeds 8 percent of the total loan amount of XXXX. -----Non QM - Due Diligence Vendor-01/06/2026 | Ready for Review-This is a NON QM file, fees cannot go over 5%<br>This clears all 3 items below<br> - Seller-01/09/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 699. Required is 660 Borrower has 699<br> LTV is less than guideline maximum - Required is 85. Borrower has XXXX. Required is 85 Borrower has XXXX<br> Qualifying DTI below maximum allowed - Required is 50. Borrower has 44.41. Required is 50 Borrower has 44.41 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6944695 |
| 920885 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2026-01-08 13:48 | 2026-01-21 13:22 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. please see attached Guaranty Agreement - Seller-01/19/2026 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. please see attached Guaranty Agreement - Seller-01/19/2026<br>| Resolved-Received Guaranty Agreement - Due Diligence Vendor-01/21/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.38<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 686 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6990567 |
| 920885 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2026-01-08 18:19 | 2026-01-21 13:22 | Resolved | 1 - Information<br> D<br> A | Credit | Eligibility | Missing Third Party Market Rent Source | Resolved-Received updated 1008. - Due Diligence Vendor-01/15/2026 <br>Ready for Review-Document Uploaded. Attached is the 1008 with DTI corrected. The 1007 was waived, this is an income qualifying loan and rents are not being used. - Seller-01/13/2026 <br>Open-Missing 1007 to document market rents on subject - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. Attached is the 1008 with DTI corrected. The 1007 was waived, this is an income qualifying loan and rents are not being used. - Seller-01/13/2026<br>| Resolved-Received updated 1008. - Due Diligence Vendor-01/15/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.38<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 686 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6995210 |
| 920885 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2026-01-08 19:12 | 2026-01-21 13:21 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received insurance verification. - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. please see attached - Seller-01/19/2026 <br>Open-Missing hazard on 3D<br> - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. please see attached - Seller-01/19/2026<br>| Resolved-Received insurance verification. - Due Diligence Vendor-01/21/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.38<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 686 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6995689 |
| 920885 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2026-01-08 14:25 | 2026-01-15 10:55 | Resolved | 1 - Information<br> C<br> A | Credit | Income/Employment | Income 3 Months Income Verified is Missing | Resolved-Received HOI for 3B - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. the HOI for 3B is on pages XX on the credit pkg originally uploaded- I have reupload here. - Seller-01/12/2026 <br> Open-Income 3 Months Income Verified is Missing REO: 3B – Lender did not include taxes and insurance into the calculation. Missing hazard insurance. Will need to be added into the DTI. Please note that DTI is not yet finalized and additional documentation and/or information may be required. - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. the HOI for 3B is on pages XX on the credit pkg originally uploaded- I have reupload here. - Seller-01/12/2026<br>| Resolved-Received HOI for 3B - Due Diligence Vendor-01/13/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.38<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 686 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6991348 |
| 924278 | XXXX | XXXX | XXXX<br> D<br> B<br> A | Closed | XXXX | 2026-01-12 09:41 | 2026-01-22 15:21 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Originator applied to non-material finding with compensating factors- to allow for the borrower owning subject for less than 6 months and a DSCR at .8271 when guides require of at least 1.15. - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. PC exception uploaded - Seller-01/21/2026 <br>Open-The Calculated DSCR of '0.869' is less than the minimum DSCR per lender guidelines of '1.15'. Per chain borrower has owned subject for only four months, 1.15 DSCR required due to being a cash out. - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. PC exception uploaded - Seller-01/21/2026<br>| Waived-Originator applied to non-material finding with compensating factors- to allow for the borrower owning subject for less than 6 months and a DSCR at .8271 when guides require of at least 1.15. - Due Diligence Vendor-01/22/2026<br>| Months Reserves exceed minimum required - 3 months PITI is required. 112 is verified<br>Long term residence - Borrower occupied primary for 13 years. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 7037053 |
| 924278 | XXXX | XXXX | XXXX<br> D<br> B<br> A | Closed | XXXX | 2026-01-09 12:53 | 2026-01-22 15:13 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator applied to non-material finding with compensating factors- to allow for the borrower owning subject for less than 6 months and a DSCR at .8271 when guides require of at least 1.15. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. PC exception uploaded - Seller-01/21/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Fraud report shows primary home was deeded to the borrower on XXXX. Missing pay history for the primary home for prior 6 months to complete 12 months history. URLA shows borrower at this home for the prior 13 years - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. PC exception uploaded - Seller-01/21/2026<br>| Waived-Originator applied to non-material finding with compensating factors- to allow for the borrower owning subject for less than 6 months and a DSCR at .8271 when guides require of at least 1.15. - Due Diligence Vendor-01/22/2026<br>| Months Reserves exceed minimum required - 3 months PITI is required. 112 is verified<br>Long term residence - Borrower occupied primary for 13 years. | Long term homeowner<br> Minimal consumer debt<br> Post closing reserves are greater than 12 months | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 7011494 |
| 924278 | XXXX | XXXX | XXXX<br> D<br> B<br> A | Closed | XXXX | 2026-01-12 09:32 | 2026-01-22 07:15 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-The lender confirmed the policy premium was slightly lower than the amount escrowed for. - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. Partial redraw uploaded - Seller-01/20/2026 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Annual amount on HOI broken down monthly is lower that the amount escrowed on the settlement statement. Lender to confirm the discrepancy and provided updated policy if applicable. - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. Partial redraw uploaded - Seller-01/20/2026<br>| Resolved-The lender confirmed the policy premium was slightly lower than the amount escrowed for. - Due Diligence Vendor-01/22/2026<br>| Months Reserves exceed minimum required - 3 months PITI is required. 112 is verified<br>Long term residence - Borrower occupied primary for 13 years. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7036746 |
| 925390 | XXXX | XXXX | XXXX<br> C<br> B<br> A | Closed | XXXX | 2026-01-05 10:55 | 2026-01-08 15:27 | Resolved | 1 - Information<br> C<br> A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Document Uploaded. Legal description provided. - Due Diligence Vendor-01/08/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit A full legal description. Only cover sheet was provided. - Due Diligence Vendor-01/05/2026 |  | Resolved-Document Uploaded. Legal description provided. - Due Diligence Vendor-01/08/2026<br>| LTV is less than guideline maximum - Maximum allowable LTV is 70% - actual LTV is XXXX. Required is 70 Borrower has XXXX<br> Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO score is 660 - actual FICO score is 686. Required is 660 Borrower has 686<br> Qualifying DTI below maximum allowed - Maximum DTI allowed is 50% - actual DTI is 18.87%. Required is 50 Borrower has 18.87 |  | 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 | 6914655 |
| 925390 | XXXX | XXXX | XXXX<br> C<br> B<br> A | Closed | XXXX | 2026-01-05 11:32 | 2026-01-05 23:15 | Waived | 2 - Non-Material<br> B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/05/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/05/2026<br>| LTV is less than guideline maximum - Maximum allowable LTV is 70% - actual LTV is XXXX. Required is 70 Borrower has XXXX<br> Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO score is 660 - actual FICO score is 686. Required is 660 Borrower has 686<br> Qualifying DTI below maximum allowed - Maximum DTI allowed is 50% - actual DTI is 18.87%. Required is 50 Borrower has 18.87 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6916186 |
| 926492 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 929226 | XXXX | XXXX | XXXX<br> C<br> A | Closed | XXXX | 2026-01-12 10:55 | 2026-01-13 18:33 | Resolved | 1 - Information<br> C<br> A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Updated declarations was provided with occupancy corrected. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-01/13/2026 <br> Counter-Reviewed the provided 1003. Section 5a Question A. (Will you occupy the property as your primary residence?) is marked yes. Subject is a Investment transaction. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-From Lender in Compliance Finding: Document Uploaded. THe Declaration section 5 A (1) is reflecting IP "investment property " Please see attached and kindly revisit Page XX , and Please advise , - Due Diligence Vendor-01/12/2026 <br> Open-The Final 1003 is Incomplete Final 1003 (Section 5: Declarations) provided indicates borrower will occupy subject property as primary residence. Provide updated 1003/application corrected to reflect Investment Property, additional findings may apply. - Due Diligence Vendor-01/12/2026 |  | Resolved-Updated declarations was provided with occupancy corrected. - Due Diligence Vendor-01/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 770 Required is 700 Borrower has 770<br> LTV is less than guideline maximum - Required is 80 Borrower has XXXX Required is 80 Borrower has XXXX |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7041799 |
| 929226 | XXXX | XXXX | XXXX<br> C<br> A | Closed | XXXX | 2026-01-07 22:39 | 2026-01-12 16:51 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Resolved-Received sufficient documentation for Investor Experience. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. According to the property profiles and grant deeds, the borrower purchased XXXX and sold XXXX, therefore this borrower was not a First Time Investor. Additional profiles to show that borrower previously owned 2 more properties. Please see attached and kindly advise , - Buyer-01/09/2026 <br> Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) Borrower only owned XXXX for 2 months and than flipped the property, For experience investors he must own non owner occupied residence for 1 year, he does not have rental experience, Per first time investor guidelines borrower would need to own a primary for 1 year in which borrower rents property. - Due Diligence Vendor-01/08/2026 |  | Resolved-Received sufficient documentation for Investor Experience. - Due Diligence Vendor-01/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 770 Required is 700 Borrower has 770<br> LTV is less than guideline maximum - Required is 80 Borrower has XXXX Required is 80 Borrower has XXXX |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6974292 |
| 930422 | XXXX | XXXX | XXXX<br> C<br> B<br> A | Closed | XXXX | 2026-01-08 08:14 | 2026-01-16 16:43 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator waiver applied to non-material finding with compensating factors- to allow the LTV at XXXX, which exceeds the 70% ltv guideline max allowed - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-01/14/2026 <br> Open-Audited LTV of XXXX exceeds Guideline LTV of 70% Per guides All long-term rental refinances: A vacant or unleased property is allowed subject to max LTV of 70%. Property is currently vacant - Due Diligence Vendor-01/09/2026 |  | Waived-Originator waiver applied to non-material finding with compensating factors- to allow the LTV at XXXX, which exceeds the 70% ltv guideline max allowed - Due Diligence Vendor-01/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 741 Required is 660 Borrower has 741<br>Months Reserves exceed minimum required - 11 months reserves documented, 3 months required | DSCR of 1.21 greater than 1<br> FICO 741<br> 10.79 Months reserves<br> Experienced investor<br>| XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 6979308 |
| 934783 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 935174 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA |  |  |  |
| 935186 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 936559 | XXXX | XXXX | XXXX<br> C<br> A | Closed | XXXX | 2026-01-13 12:31 | 2026-01-21 17:36 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Seller CD. - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-01/19/2026 <br>Counter-Please provide signed or certified final seller CD - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-01/14/2026 <br>Open-The Final SELLER CD/HUD is missing. Provide Final Seller CD/HUD. - Due Diligence Vendor-01/13/2026 |  | Resolved-Received Seller CD. - Due Diligence Vendor-01/21/2026<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 37.34. Required is 50 Borrower has 37.34<br> LTV is less than guideline maximum - Required is 90. Borrower has XXXX. Required is 90 Borrower has XXXX<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 794. Required is 660 Borrower has 794 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7068299 |
| 938122 | XXXX | XXXX | XXXX<br> B<br> A | Closed | XXXX | 2026-01-14 10:00 | 2026-01-20 17:02 | Resolved | 1 - Information<br> B<br> A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Received legible copy of the 1008 - Due Diligence Vendor-01/20/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-01/16/2026 <br>Open-Approval/Underwriting Summary Partially Provided 1008 is encrypted and not legible - Due Diligence Vendor-01/14/2026 |  | Resolved-Received legible copy of the 1008 - Due Diligence Vendor-01/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798<br> LTV is less than guideline maximum - Required is 75 Borrower has XXXX |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7085087 |
| 940401 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 940473 | XXXX | XXXX | XXXX<br> D<br> B<br> A | Closed | XXXX | 2026-01-20 14:26 | 2026-02-12 18:40 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-PCCD and first payment letter provided. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. PCCD AND REQUESTED DOCS - Seller-02/12/2026 <br> Counter-Received current HOI and renewal. Premium differs from qualifying and final CD. If utilizing the premium on the policy received, ratios exceed 50.00%. Please clarify final confirmed current and renewal policy and premium amount. Final CD and 1st payment to match as well as ratios not too exceed 50.00% - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. enclosed please find the current policy with the correct mortgagee and loan number. Dated from XXXX<br>also, enclosed is the correct Renewal dated from XXXX. - Seller-02/10/2026 <br> Counter-Received Policy dated XXXX. Binder is dated XXXX. Finding remains. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. POLICY - Seller-01/26/2026 <br> Counter-Received Binder. Provide actual policy to document final terms of policy. Finding remains. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. - Seller-01/21/2026 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided 1. Binder only provided, missing policy number.<br> 2. Annual premium amount does not match the CD, an annual invoice was paid for XXXX however no new policy was provided. - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. PCCD AND REQUESTED DOCS - Seller-02/12/2026 <br> Ready for Review-Document Uploaded. enclosed please find the current policy with the correct mortgagee and loan number. Dated from XXXX<br>also, enclosed is the correct Renewal dated from XXXX - Seller-02/10/2026 <br> Ready for Review-Document Uploaded. POLICY - Seller-01/26/2026 <br> Ready for Review-Document Uploaded. - Seller-01/21/2026<br>| Resolved-PCCD and first payment letter provided. - Due Diligence Vendor-02/12/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has XXXX<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 714<br> Residual Income =/> 1.5 times $3,500 monthly residual income - Over $10K |  | 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 | 7185796 |
| 940473 | XXXX | XXXX | XXXX<br> D<br> B<br> A | Closed | XXXX | 2026-01-20 14:12 | 2026-01-22 18:34 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received LOX gap of employment due to maternal leave. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. - Seller-01/21/2026 <br> Open-Missing a full two year employment history for B2-Gap from XXXX to XXXX based on the 1003 information. - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. - Seller-01/21/2026<br>| Resolved-Received LOX gap of employment due to maternal leave. - Due Diligence Vendor-01/22/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has XXXX<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 714<br> Residual Income =/> 1.5 times $3,500 monthly residual income - Over $10K |  | 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 | 7185480 |
| 940473 | XXXX | XXXX | XXXX<br> D<br> B<br> A | Closed | XXXX | 2026-01-20 14:00 | 2026-01-20 15:04 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow 5 NSF past 12 months . Non-material waiver applied with comp factors. Deemed non-material due to none in past 4 months, LOE acceptable. - Due Diligence Vendor-01/20/2026 <br>Open-5 NSF on bank statements in last 12 months exceeds the 3 max allowed. - Due Diligence Vendor-01/20/2026 |  | Waived-Originator exception granted to allow 5 NSF past 12 months . Non-material waiver applied with comp factors. Deemed non-material due to none in past 4 months, LOE acceptable. - Due Diligence Vendor-01/20/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has XXXX<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 714<br> Residual Income =/> 1.5 times $3,500 monthly residual income - Over $10K | FICO 20 points or more above requirement<br> Residual income > $3K |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 7185211 |
| 940500 | XXXX | XXXX | XXXX<br> C<br> A | Closed | XXXX | 2026-01-21 08:17 | 2026-01-23 06:37 | Resolved | 1 - Information<br> C<br> A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated title received. - Due Diligence Vendor-01/23/2026 <br>Ready for Review-Document Uploaded. title policy uploaded - Seller-01/22/2026 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-01/21/2026 | Ready for Review-Document Uploaded. title policy uploaded - Seller-01/22/2026<br>| Resolved-Updated title received. - Due Diligence Vendor-01/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 709 Required is 680 Borrower has 709<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.21 Required is 50 Borrower has 12.21 |  | 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 | 7200623 |
| 940500 | XXXX | XXXX | XXXX<br> C<br> A | Closed | XXXX | 2026-01-21 08:49 | 2026-01-23 06:36 | Resolved | 1 - Information<br> C<br> A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-After further review, the gap credit is dated XXXX, which is within 10 days of closing. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-per our UW team, the UDC is 10 days from the note date which is allowed. Note date is XXXX & UDN is XXXX - Seller-01/22/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-01/21/2026 | Ready for Review-per our UW team, the UDC is 10 days from the note date which is allowed. Note date is XXXX & UDN is XXXX - Seller-01/22/2026<br>| Resolved-After further review, the gap credit is dated XXXX, which is within 10 days of closing. - Due Diligence Vendor-01/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 709 Required is 680 Borrower has 709<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.21 Required is 50 Borrower has 12.21 |  |  | 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 | 7201178 |
| 944222 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2026-01-21 11:02 | 2026-01-26 12:23 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-CO-OP HOA fee provided. - Due Diligence Vendor-01/26/2026 <br>Ready for Review-Document Uploaded. primary HOA fee - Seller-01/22/2026 <br>Open-Missing verification of the taxes and/or co-op fees for the borrowers primary residence. - Due Diligence Vendor-01/21/2026 | Ready for Review-Document Uploaded. primary HOA fee - Seller-01/22/2026<br>| Resolved-CO-OP HOA fee provided. - Due Diligence Vendor-01/26/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has XXXX<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 |  | 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 | 7205625 |
| 944884 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 945546 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 945621 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2026-01-23 12:32 | 2026-02-02 15:05 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Missing income documentation | Resolved-Received LOE. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. LOE - Seller-01/29/2026 <br> Open-Missing verification from third party for B1 as to how his business will be affected after move to XXXX from XXXX. Will borrower have to re-establish a new client base? Additional findings may apply - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. LOE - Seller-01/29/2026<br>| Resolved-Received LOE. - Due Diligence Vendor-02/02/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has XXXX<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.35<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 766 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7273809 |
| 946705 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2026-01-21 09:23 | 2026-01-29 12:29 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-VOME reflected no late charge in totals. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. Please see attached and kindly advise if we still need anything else - Buyer-01/28/2026 <br> Counter-Received Note and printout for XXXX. Unable to confirm 12 months payments made timely due to late fees. Received confirmation of balloon due from XXXX. Payment history not provided. Received Note and printout for XXXX. Unable to confirm 12 months payments made timely due to late fees. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. Please see attached VOM for 3c and 3d, along with the LOE for 3C. we also have 2 gape reports in file and please see attached - Buyer-01/26/2026 <br> Ready for Review-Document Uploaded. Please see attached VOM for 3c and 3d, along with the LOE for 3C. - Buyer-01/26/2026 <br> Counter-Received 12 month payment history for 3b and mortgage statement for 3c. Missing mortgage payment being made for primary residence last reported XXXX. missing XXXX and XXXX payment being made for primary residence. 2) missing mortgage payment being made for XXXX for REO 3D. 3) Missing 12 months mortgage payment history for reos REO 3C. not reported on credit report. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. Please see attached for 3b & 3C , please advise on 3D as there is no 3D per our documents, for the primary residence plrease see attached payment history showing due XXXX, also VOM dated XXXX and the propert profile showing PURCHASE XXXX - Seller-01/22/2026 <br> Open-Housing History Does Not Meet Guideline Requirements- Missing mortgage payment being made for primary residence last reported XXXX. missing XXXX and XXXX payment being made for primary residence. 2) missing mortgage payment being made for XXXX for REO 3D. 3) Missing 12 months mortgage payment history for reos REO 3B, 3C. not reported on credit report. - Due Diligence Vendor-01/21/2026 | Ready for Review-Document Uploaded. Please see attached for 3b & 3C , please advise on 3D as there is no 3D per our documents, for the primary residence plrease see attached payment history showing due XXXX, also VOM dated XXXX and the propert profile showing PURCHASE XXXX - Seller-01/22/2026<br>| Resolved-VOME reflected no late charge in totals. - Due Diligence Vendor-01/29/2026<br>| Months Reserves exceed minimum required - 25.49 months PITIA reserves; 3 months reserves required.<br> LTV is less than guideline maximum - LTV XXXX max 80%. Required is 80 Borrower has XXXX |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7202088 |
| 946705 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2026-01-21 09:24 | 2026-01-29 12:26 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-REO pay history reflected the properties were escrowed. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. The mtg document for XXXX confirms escrows are included in the mtg payment, HOI not documented separately as a result: - Buyer-01/29/2026 <br> Counter-The hazard insurance for XXXX ive is the only outstanding item - Due Diligence Vendor-01/28/2026 <br> Ready for Review-The properety profile showing the property is free and clear , please review and clear the condition - Seller-01/27/2026 <br> Counter-Received property profile and mortgage statement only. Please provide PITIA validation for 3b-3d. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. Please also see attached mortgage statement and property profile for 3a XXXX. - Seller-01/26/2026 <br> Ready for Review-Document Uploaded. Please see attached for 3d - XXXX - Buyer-01/26/2026 <br> Counter-Received property profile for 3b and XXXX. Property profile reflect a lien for 3b and indicate HOA. Final 1003 list two 3b properties. Property 3d for references is 206. Missing P&I, HOI, and HOA 3a and PITIA for 3d. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/22/2026 <br> Ready for Review-Document Uploaded. Please see attached the property profile for 3b, XXXX showing the tax $1966.82/yr<br> regarding the the 3d, there is no 3D on the fimnal 1003 please advise - Buyer-01/22/2026 <br> Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property - Please provide for REO 3B thru 3D and any HOA's. - Due Diligence Vendor-01/21/2026 | Ready for Review-The properety profile showing the property is free and clear , please review and clear the condition - Seller-01/27/2026 <br> Ready for Review-Document Uploaded. Please also see attached mortgage statement and property profile for 3a XXXX. - Seller-01/26/2026<br>| Resolved-REO pay history reflected the properties were escrowed. - Due Diligence Vendor-01/29/2026<br>| Months Reserves exceed minimum required - 25.49 months PITIA reserves; 3 months reserves required.<br> LTV is less than guideline maximum - LTV XXXX max 80%. Required is 80 Borrower has XXXX |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7202126 |
| 946705 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2026-01-28 16:57 | 2026-01-29 12:26 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-REO pay history reflected the properties were escrowed. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. The mtg document for XXXX confirms escrows are included in the mtg payment, HOI not documented separately as a result: - Seller-01/29/2026 <br> Open-Audited DTI of 51.33% exceeds Guideline DTI of 50% - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. The mtg document for XXXX confirms escrows are included in the mtg payment, HOI not documented separately as a result: - Seller-01/29/2026<br>| Resolved-REO pay history reflected the properties were escrowed. - Due Diligence Vendor-01/29/2026<br>| Months Reserves exceed minimum required - 25.49 months PITIA reserves; 3 months reserves required.<br> LTV is less than guideline maximum - LTV XXXX max 80%. Required is 80 Borrower has XXXX |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7339839 |
| 946705 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2026-01-21 07:39 | 2026-01-26 09:15 | Resolved | 1 - Information<br> C<br> A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated Title with corrected coverage. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-01/22/2026 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). loan amount should be XXXX. - Due Diligence Vendor-01/21/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-01/22/2026<br>| Resolved-Received updated Title with corrected coverage. - Due Diligence Vendor-01/26/2026<br>| Months Reserves exceed minimum required - 25.49 months PITIA reserves; 3 months reserves required.<br> LTV is less than guideline maximum - LTV XXXX max 80%. Required is 80 Borrower has XXXX |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7198485 |
| 950165 | XXXX | XXXX | XXXX<br> C<br> A | Closed | XXXX | 2026-01-29 09:39 | 2026-02-03 12:13 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Client provided exception for exceeding 10 loans.<br> This was not related to housing history - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. exception - Seller-02/02/2026 <br>Open-Housing History Does Not Meet Guideline Requirements FM exposure over 10 loans/7.5 MM - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. exception - Seller-02/02/2026<br>| Resolved-Client provided exception for exceeding 10 loans.<br> This was not related to housing history - Due Diligence Vendor-02/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 784; guidelines require 700. Required is 700 Borrower has 784<br> LTV is less than guideline maximum - LTV XXXX. Allowed LTV 75%. Required is 75 Borrower has XXXX | 1. LTV XXXX. Allowed LTV 75%. 2. Qualifying FICO score 784; guidelines require 700.  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7349238 |
| 950165 | XXXX | XXXX | XXXX<br> C<br> A | Closed | XXXX | 2026-01-29 10:11 | 2026-02-02 15:08 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Prepayment Penalty is not allowed | Resolved-Received revised PPP Addendum to the Not and PPP rider, removing the prepayment penalty. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. Please note that that PP note addendum and Mortgage rider, mistakenly generated with the closing docs... however, the terms of PP showing are N/A (the form shows N/A as the terms) ... there is no PP on this loan - Seller-01/29/2026 <br> Open-Prepayment Penalty is not allowed. Per XXXX 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. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. Please note that that PP note addendum and Mortgage rider, mistakenly generated with the closing docs... however, the terms of PP showing are N/A (the form shows N/A as the terms) ... there is no PP on this loan - Seller-01/29/2026<br>| Resolved-Received revised PPP Addendum to the Not and PPP rider, removing the prepayment penalty. - Due Diligence Vendor-02/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 784; guidelines require 700. Required is 700 Borrower has 784<br> LTV is less than guideline maximum - LTV XXXX. Allowed LTV 75%. Required is 75 Borrower has XXXX |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7350486 |
| 950219 | XXXX | XXXX | XXXX<br> C<br> B<br> A | Closed | XXXX | 2026-01-22 10:07 | 2026-01-28 13:56 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator waiver applied to non-material finding with compensating factors. Exception for 6.9 months of reserves, 12 required with an escrow waiver. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-01/28/2026 <br> Counter-Subject waived escrows. 12 months PITIA required. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-NO DOCUMENT WAS UPLOADED , please be advised that this is under XXXX Full Doc 30 Yr Fixed program which is required only 3 months as per the 1008 XXXX – XXXX Enhanced – Full Doc - Cash out refi – meets 6 mo min seasoning requirement Max LTV: 80% - Max DTI: 50% - Reserves: 3 mos - Seller-01/26/2026 <br> Counter-No document provided. Review of guideline indicate waiver of escrows require 12 months reserves. Finding remains. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-This is under XXXX Full Doc 30 Yr Fixed program which is required only 3 months as per the 1008<br> XXXX Enhanced – Full Doc - Cash out refi – meets 6 mo min seasoning requirement<br> Max LTV: 80% - Max DTI: 50% - Reserves: 3 mos - Buyer-01/22/2026 <br> Open-Audited Reserves of 6.59 month(s) are less than Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-01/28/2026 <br> Ready for Review-NO DOCUMENT WAS UPLOADED , please be advised that this is under XXXX Full Doc 30 Yr Fixed program which is required only 3 months as per the 1008 XXXX Enhanced – Full Doc - Cash out refi – meets 6 mo min seasoning requirement Max LTV: 80% - Max DTI: 50% - Reserves: 3 mos - Seller-01/26/2026<br>| Waived-Originator waiver applied to non-material finding with compensating factors. Exception for 6.9 months of reserves, 12 required with an escrow waiver. - Due Diligence Vendor-01/28/2026<br>| On time mortgage history exceeds guideline requirement - 0x30x60<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income $4,400.89 =/> 1.5 times $3,500 monthly residual income<br>| FICO score above program min. by 20 points or higher<br> Cash-Out Refi payments reduced by a min. of 20% or $500<br> Current employment ≥ 48 months<br> Current homeownership ≥ 48 months | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 7241018 |
| 950219 | XXXX | XXXX | XXXX<br> C<br> B<br> A | Closed | XXXX | 2026-01-21 13:21 | 2026-01-28 13:54 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator waiver applied to non-material finding with compensating factors. Exception for an LTV of XXXX, max 80%. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-01/28/2026 <br> Counter-Must meet guideline 1.4.1.3 Cash out seasoning. Borrowers acquired subject XXXX. Finding remains. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-the current appraisaed value is $536,000.00 , please review and advise - Buyer-01/26/2026 <br> Counter-No document provided. LTV/CLTV is limited to the lower of the current appraised value or the property's purchase price plus documented improvements. The prior purchase price is XXXX. Finding remains. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-As per our documents Loan amount XXXX / appraisaed value XXXX so the LTV is XXXX , please review and advise , <br> Titanium – eXpert Enhanced – Full Doc - Cash out refi – meets 6 mo min seasoning requirement<br> Max LTV: 80% - Max DTI: 50% - Reserves: 3 mos - Seller-01/22/2026 <br> Open-Audited LTV of XXXX exceeds Guideline LTV of 80% .No documentation in file for improvements done to home. For properties owned greater than 6 months but less than 12-months: LTV/CLTV is limited to thel lower of the current appraised value or the property's purchase price plus documented improvements. Borrower has only owned subject for 9 months which requires using the original appraised value to calculate LTV. Lender used the appraised value. - Due Diligence Vendor-01/21/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-01/28/2026 <br> Ready for Review-As per our documents Loan amount XXXX/ appraisaed value XXXX so the LTV is XXXX , please review and advise , <br> XXXX Enhanced – Full Doc - Cash out refi – meets 6 mo min seasoning requirement<br> Max LTV: 80% - Max DTI: 50% - Reserves: 3 mos - Seller-01/22/2026<br>| Waived-Originator waiver applied to non-material finding with compensating factors. Exception for an LTV of XXXX, max 80%. - Due Diligence Vendor-01/28/2026<br>| On time mortgage history exceeds guideline requirement - 0x30x60<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income $4,400.89 =/> 1.5 times $3,500 monthly residual income<br>| FICO score above program min. by 20 points or higher<br> Cash-Out Refi payments reduced by a min. of 20% or $500<br> Current employment ≥ 48 months<br> Current homeownership ≥ 48 months | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 7219253 |
| 950219 | XXXX | XXXX | XXXX<br> C<br> B<br> A | Closed | XXXX | 2026-01-20 14:39 | 2026-01-22 11:47 | Waived | 2 - Non-Material<br> B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings - Due Diligence Vendor-01/20/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings - Due Diligence Vendor-01/20/2026<br>| On time mortgage history exceeds guideline requirement - 0x30x60<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income $4,400.89 =/> 1.5 times $3,500 monthly residual income<br>|  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 7186003 |
| 950381 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 950621 | XXXX | XXXX | XXXX<br> C<br> B<br> A | Closed | XXXX | 2026-01-23 10:36 | 2026-01-28 11:41 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Acreage exceeds guidelines | Waived-Originator provided a waiver for acreage, applied to non material finding with comp factors - Due Diligence Vendor-01/26/2026 <br>Ready for Review-Document Uploaded. Pleasse see attached - Buyer-01/23/2026 <br>Open-Subject location is Suburban (does not meet rural classifications) and the acreage on the subject is 9.52 which exceeds the 2 acres allowed per guidelines. - Due Diligence Vendor-01/23/2026 |  | Waived-Originator provided a waiver for acreage, applied to non material finding with comp factors - Due Diligence Vendor-01/26/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has XXXX<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 749 | FICO score above program min. by 20 points or higher<br> LTV/CLTV below required by 5% or more <br> 0x30 for 24 months on all mortgages<br> Current homeownership ≥ 48 months | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 7270107 |
| 950621 | XXXX | XXXX | XXXX<br> C<br> B<br> A | Closed | XXXX | 2026-01-23 10:20 | 2026-01-28 10:15 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Loan does not meet guideline requirements for loans listed for sale | Waived-Lender exception applied to non-material finding with comp factors. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-01/27/2026 <br> Counter-The finding will require an exception since the guides state properties listed for sale require a 2 year prepay and the loan closed with a 1-year prepay.<br>- Due Diligence Vendor-01/27/2026 <br> Ready for Review-Please be advised that we have the LOE reflecting the purpose to list for sale along with an email to confirm it is withdrawn . Please advise what else do we need to clear that last condition. - Buyer-01/27/2026 <br> Counter-LOE and evidence the listing was withdrawn provided. However, the original finding still applies. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. Pleasse see attached - Buyer-01/23/2026 <br> Open-Loan does not meet guideline requirements for loans listed for sale. Subject was listed for sale XXXX and withdrawn XXXX. If listed for sale in the past six months must have a two year prepay. Subject has a one year prepay. The subject is ineligible for cash out. - Due Diligence Vendor-01/23/2026 |  | Waived-Lender exception applied to non-material finding with comp factors. - Due Diligence Vendor-01/28/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has XXXX<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 749 | FICO score above program min. by 20 points, Reserves exceed requirement by 6 months, cash out refi payments reduced by a min of 20% or $500.00,  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 7269696 |
| 955448 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 957795 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 958244 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2026-01-26 13:54 | 2026-01-30 15:44 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Missing income documentation | Resolved-Received tax preparer verification. - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. - Buyer-01/29/2026 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-01/29/2026 <br>Counter-Received tax preparer letter. Missing PTIN validation of tax preparer. - Due Diligence Vendor-01/28/2026 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-01/27/2026 <br>Open-CPA letter does not have the PTIN Number and missing PTIN verification for tax preparer. see pdf 663- 666 - Due Diligence Vendor-01/26/2026 |  | Resolved-Received tax preparer verification. - Due Diligence Vendor-01/30/2026<br>| Qualifying DTI below maximum allowed - DTI 24.78% max 45%. Required is 45 Borrower has 24.78<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 798 min score 660. Required is 660 Borrower has 798 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7300859 |
| 958244 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2026-01-26 15:32 | 2026-01-28 17:02 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated participant list. - Due Diligence Vendor-01/28/2026 <br>Ready for Review-Document Uploaded. the attached was in the credit package and it is completed , please advise what's missing - Seller-01/27/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists The seller, borrower business and appraiser were not checked against the exclusionary list. - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. the attached was in the credit package and it is completed , please advise what's missing - Seller-01/27/2026<br>| Resolved-Received updated participant list. - Due Diligence Vendor-01/28/2026<br>| Qualifying DTI below maximum allowed - DTI 24.78% max 45%. Required is 45 Borrower has 24.78<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 798 min score 660. Required is 660 Borrower has 798 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7302404 |
| 958244 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2026-01-26 15:37 | 2026-01-28 17:00 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE - Due Diligence Vendor-01/28/2026 <br>Ready for Review-Document Uploaded. Please see attached and that was in the credit package - Buyer-01/27/2026 <br>Open-LOX for credit inquiries is missing. Missing the letter of explanation for the inquiries listed on the credit report. - Due Diligence Vendor-01/26/2026 |  | Resolved-Received credit inquiry LOE - Due Diligence Vendor-01/28/2026<br>| Qualifying DTI below maximum allowed - DTI 24.78% max 45%. Required is 45 Borrower has 24.78<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 798 min score 660. Required is 660 Borrower has 798 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7302488 |
| 959452 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2026-01-28 10:55 | 2026-01-30 12:46 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received third Party Fraud Report. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-01/30/2026 <br> Counter-All pages of the Fraud Report provided. Settlement agent/Title company was not included in the search - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. Please see attached complete drive report - Buyer-01/28/2026 <br> Open-Third Party Fraud Report Partially Provided Fraud report in the file is only page XX. Additional pages of the fraud report not provided. - Due Diligence Vendor-01/28/2026 |  | Resolved-Received third Party Fraud Report. - Due Diligence Vendor-03/26/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.36 Required is 50 Borrower has 34.49<br> LTV is less than guideline maximum - Required is 80 Borrower has XXXX Required is 80 Borrower has XXXX |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7331444 |
| 959452 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2026-01-27 16:47 | 2026-01-29 17:22 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Bank Statement Summary/Lender Worksheet - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-01/28/2026 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-01/27/2026 |  | Resolved-Received Bank Statement Summary/Lender Worksheet - Due Diligence Vendor-03/26/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.36 Required is 50 Borrower has 34.49<br> LTV is less than guideline maximum - Required is 80 Borrower has XXXX Required is 80 Borrower has XXXX |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7319786 |
| 961904 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2026-02-03 10:42 | 2026-02-09 08:27 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 42.35% is less than or equal to Guideline DTI of 50%. Received 1007. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. please see enclosed... added back in with today's signature date (it was mistakenly removed from the other report) - Seller-02/05/2026 <br> Counter-Review was not counting rental income for subject previously as 1007 was removed from appraisal signed XXXX. DTI will meet requirement once 1007 attached to appraised signed XXXX received. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-The XXXX deposits seem consistent with XXXX sales that he gets every month ... were you not including the rental income (and that will now change since we sent in the correct appraisal with the other condition on this loan)? If its something else, please provide your income worksheet so we see what you have - Seller-02/03/2026 <br> Open-Audited DTI of 51% exceeds Guideline DTI of 50% Income calculated as lower than lender (mainly due to XXXX deposits on bank statement) 1008 indicates a net rental loss for the subject which is less than the full PITIA. Appraisal notes the 1007 as being removed from the package. No documentation of any subject rent so review included entire PITIA. - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. please see enclosed... added back in with today's signature date (it was mistakenly removed from the other report) - Seller-02/05/2026 <br> Ready for Review-The XXXX deposits seem consistent with XXXX sales that he gets every month ... were you not including the rental income (and that will now change since we sent in the correct appraisal with the other condition on this loan)? If its something else, please provide your income worksheet so we see what you have - Seller-02/03/2026<br>| Resolved-Audited DTI of 42.35% is less than or equal to Guideline DTI of 50%. Received 1007. - Due Diligence Vendor-02/09/2026<br>| Months Reserves exceed minimum required - 7.57 mos reserves; 3 mos required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.35<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 778 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7418317 |
| 961904 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2026-02-03 11:10 | 2026-02-09 08:25 | Resolved | 1 - Information<br> D<br> A | Credit | Eligibility | Missing Third Party Market Rent Source | Resolved-Received updated 1004 and 1007 - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. please see enclosed... added back in with today's signature date (it was mistakenly removed from the other report) - Seller-02/05/2026 <br> Counter-Received appraisal signed XXXX with 1007. Most recent appraisal, signed XXXX reflects 1007 was removed. Please have appraiser clarify and add to most recent report or provide clarification why removed. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. appraisal showing 1007 - Seller-02/03/2026 <br> Open-Missing Third Party Market Rent Source Missing 1007 to document market rents<br> - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. please see enclosed... added back in with today's signature date (it was mistakenly removed from the other report) - Seller-02/05/2026 <br>Ready for Review-Document Uploaded. appraisal showing 1007 - Seller-02/03/2026<br>| Resolved-Received updated 1004 and 1007 - Due Diligence Vendor-02/09/2026<br>| Months Reserves exceed minimum required - 7.57 mos reserves; 3 mos required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.35<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 778 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7419415 |
| 967079 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 971550 | XXXX | XXXX | XXXX<br> C<br> B<br> A | Closed | XXXX | 2026-02-05 17:49 | 2026-03-26 13:47 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted use of current appraised value waiver applied with compactors - Due Diligence Vendor-02/05/2026 <br>Open-Subject property acquired 6-12 months. Must document improvements and value is based on lower of current appraised value or acquisition cost plus documented improvements. - Due Diligence Vendor-02/05/2026 |  | Waived-Originator exception granted use of current appraised value waiver applied with compactors - Due Diligence Vendor-02/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 735<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.86 | DTI below program maximum by 5% or greater<br> Reserves exceed requirement by 6 months or more.  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 7478273 |
| 971550 | XXXX | XXXX | XXXX<br> C<br> B<br> A | Closed | XXXX | 2026-02-03 09:10 | 2026-02-05 17:57 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Received pre close waiver for use of appraised value. Waiver applied to Loan Does not conform to program. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. Please see attached exception approval. - Buyer-02/04/2026 <br> Open-Audited LTV of XXXX exceeds Guideline LTV of 80% For properties owned greater than 6 months but less than 12-months: LTV/CLTV is limited to the lower of the current appraised value or the property's purchase price plus documented improvements. Missing documented cost of improvements to determine accurate LTV - Due Diligence Vendor-02/03/2026 |  | Resolved-Received pre close waiver for use of appraised value. Waiver applied to Loan Does not conform to program. - Due Diligence Vendor-02/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 735<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.86 |  | 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 | 7414559 |
| 971550 | XXXX | XXXX | XXXX<br> C<br> B<br> A | Closed | XXXX | 2026-02-03 09:10 | 2026-02-05 17:42 | Resolved | 1 - Information<br> B<br> A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Received legible 1008 - Due Diligence Vendor-02/05/2026 <br>Ready for Review-Document Uploaded. Please find attached legible 1008. - Buyer-02/04/2026 <br>Open-Approval/Underwriting Summary Partially Provided 1008 is corrupt and is not legible - Due Diligence Vendor-02/03/2026 |  | Resolved-Received legible 1008 - Due Diligence Vendor-02/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 735<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.86 |  | 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 | 7414556 |
| 978675 | XXXX | XXXX | XXXX<br> D<br> B<br> A | Closed | XXXX | 2026-02-14 01:22 | 2026-02-18 17:32 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Missing income documentation | Resolved-Received XXXX and XXXX statements reflecting rent deposits from the individual listed on the lease. Rent is deposited in 2 separate payments. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. XXXX and XXXX were in the package and please see attached - Buyer-02/18/2026 <br> Counter-Received 1 mos bank statement reflecting deposit of $2k and $1,435. Missing 2 deposits for the rental income at the property listed as 3b on the URLA. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. Please see attached XXXX statement showing the deposit - Buyer-02/18/2026 <br> Ready for Review-Document Uploaded. Please see attached for XXXX. - Buyer-02/17/2026 <br> Open-Missing 2 deposits for the rental income at the property listed as 3b on the URLA. The deposits must be in a separate bank account. Note: Any rental deposits made into the bank statements being used to qualify the bank statement income, must be excluded from the business income analysis and treated as a separate income calculation. It is noted that the lease are in the loan file. If rent is in the existing bank statements additional income conditions may apply. - Due Diligence Vendor-02/15/2026 |  | Resolved-Received XXXX statements reflecting rent deposits from the individual listed on the lease. Rent is deposited in 2 separate payments. - Due Diligence Vendor-02/18/2026<br>| Months Reserves exceed minimum required - minimum reserves required = 3 months PITI(a) - borrower has 24.37 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 688 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7621526 |
| 978675 | XXXX | XXXX | XXXX<br> D<br> B<br> A | Closed | XXXX | 2026-02-09 10:48 | 2026-02-09 11:23 | Waived | 2 - Non-Material<br> B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ------Originator waiver applied to non-material Findings - Due Diligence Vendor-02/09/2026 |  | Waived-Required Affiliated Business Disclosure Missing ------Originator waiver applied to non-material Findings - Due Diligence Vendor-02/09/2026<br>| Months Reserves exceed minimum required - minimum reserves required = 3 months PITI(a) - borrower has 24.37 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 688 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 7516321 |
| 985920 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2026-02-20 21:04 | 2026-02-27 15:07 | Resolved | 1 - Information<br> C<br> A | Credit | Insurance | Fidelity Coverage not met | Resolved-Project is Eligible for Limited Review - per XXXX is not required for Limited Review - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. XXXX coverage isn't required on Limited reviews - Seller-02/26/2026 <br> Counter-Received Master policy with $99,000.00 XXXX, however this amount is not sufficient. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. insurance showing XXXX - Seller-02/23/2026 <br> Open-XXXX Coverage not met. Missing proof of sufficient XXXX coverage . - Due Diligence Vendor-02/21/2026 | Ready for Review-Document Uploaded. XXXX coverage isn't required on Limited reviews - Seller-02/26/2026 <br> Ready for Review-Document Uploaded. insurance showing fidelity - Seller-02/23/2026<br>| Resolved-Project is Eligible for Limited Review - per XXXX XXXX is not required for Limited Review - Due Diligence Vendor-02/27/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less. Min DSCR is 0.8 Borrower has 1.112. Required is 0.8 Borrower has 1.112<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score is 700 Borrower has 741 Required is 700 Borrower has 741 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7734619 |
| 985920 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2026-02-21 00:46 | 2026-02-27 15:07 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-Received HO-6 Policy. - Due Diligence Vendor-02/25/2026 <br>Ready for Review-Document Uploaded. HO6 - Seller-02/23/2026 <br>Open-HO-6 Insurance Policy is Missing - Due Diligence Vendor-02/21/2026 | Ready for Review-Document Uploaded. HO6 - Seller-02/23/2026<br>| Resolved-Received HO-6 Policy. - Due Diligence Vendor-02/25/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less. Min DSCR is 0.8 Borrower has 1.112. Required is 0.8 Borrower has 1.112<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score is 700 Borrower has 741 Required is 700 Borrower has 741 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7736166 |
| 985920 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2026-02-20 20:47 | 2026-02-24 17:31 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Title/Taxes. - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. title with taxes showing - Seller-02/23/2026 <br>Open-Missing Evidence of Property Tax Missing the subject's current tax bill. - Due Diligence Vendor-02/21/2026 | Ready for Review-Document Uploaded. title with taxes showing - Seller-02/23/2026<br>| Resolved-Received Title/Taxes. - Due Diligence Vendor-02/24/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less. Min DSCR is 0.8 Borrower has 1.112. Required is 0.8 Borrower has 1.112<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score is 700 Borrower has 741 Required is 700 Borrower has 741 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7734321 |
| 985920 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2026-02-20 20:47 | 2026-02-24 17:31 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Title Document Missing | Resolved-Received Commitment. - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. title - Seller-02/23/2026 <br>Open-Title Document is missing Missing the Title Report for the subject property with all schedules. Upon receipt, additional conditions maybe required. - Due Diligence Vendor-02/21/2026 | Ready for Review-Document Uploaded. title - Seller-02/23/2026<br>| Resolved-Received Commitment. - Due Diligence Vendor-02/24/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less. Min DSCR is 0.8 Borrower has 1.112. Required is 0.8 Borrower has 1.112<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score is 700 Borrower has 741 Required is 700 Borrower has 741 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7734322 |
| 988485 | XXXX | XXXX | XXXX<br> C<br> A | Closed | XXXX | 2026-02-21 11:12 | 2026-02-24 17:33 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Fraud Report w/All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. FINAL FG - Seller-02/23/2026 <br>Open-Fraud Report Shows Uncleared Alerts for the Title Company. Provide documentation to support all parties are cleared. - Due Diligence Vendor-02/21/2026 | Ready for Review-Document Uploaded. FINAL FG - Seller-02/23/2026<br>| Resolved-Received Fraud Report w/All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 794<br> LTV is less than guideline maximum - Required is 80 Borrower has XXXX |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7738690 |
| 988619 | XXXX | XXXX | XXXX<br> C<br> A | Closed | XXXX | 2026-02-24 08:46 | 2026-02-26 15:40 | Resolved | 1 - Information<br> C<br> A | Property | Appraisal | Unsupported adjustments or comps | Resolved-Upon further review, the appraiser explained the reason for the adjustments. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-this guideline is no longer applicable... was removed several years ago.... XXXX does not have specific limitations or percentage guidelines associated with net or gross adjustments. The policy explicitly states that 'The number and/or amount of the dollar adjustments must not be the sole determinant in the acceptability of a comparable. - Seller-02/24/2026 <br> Open-Comp 1 ,3 and4 exceed 25% gross adjustments. - Due Diligence Vendor-02/24/2026 | Ready for Review-this guideline is no longer applicable... was removed several years ago.... XXXX does not have specific limitations or percentage guidelines associated with net or gross adjustments. The policy explicitly states that 'The number and/or amount of the dollar adjustments must not be the sole determinant in the acceptability of a comparable. - Seller-02/24/2026<br>| Resolved-Upon further review, the appraiser explained the reason for the adjustments. - Due Diligence Vendor-02/26/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has XXXX Required is 75 Borrower has XXXX<br> DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.572 Required is 0.8 Borrower has 1.572<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 723 Required is 700 Borrower has 723 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7777137 |
| 988678 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 988946 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 995054 | XXXX | XXXX | XXXX<br> C<br> B<br> A | Closed | XXXX | 2026-02-27 14:19 | 2026-03-06 17:01 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received complete Settlement Statement. - Due Diligence Vendor-03/06/2026 <br>Ready for Review-Document Uploaded. final sett stmt - Seller-03/06/2026 <br>Counter-Received settlement statement. Seller is not listed in Box E. Please provide final seller settlement statement. - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. Fully executed settlement stmt - Seller-03/04/2026 <br>Open-The Final SELLER CD/HUD is missing. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. final sett stmt - Seller-03/06/2026 <br>Ready for Review-Document Uploaded. Fully executed settlement stmt - Seller-03/04/2026<br>| Resolved-Received complete Settlement Statement. - Due Diligence Vendor-03/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 765<br>Months Reserves exceed minimum required - 155.47 mos reserves; 3 mos required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7849843 |
| 995054 | XXXX | XXXX | XXXX<br> C<br> B<br> A | Closed | XXXX | 2026-03-02 09:37 | 2026-03-02 09:42 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Prepayment Penalty Discrepancy | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-03/02/2026 <br>Ready for Review-EXCEPTION FOR THIS IN FILE - Seller-03/02/2026 <br>Open-EXCEPTION in file to waive prepay on investment <br> - Due Diligence Vendor-03/02/2026 | Ready for Review-EXCEPTION FOR THIS IN FILE - Seller-03/02/2026<br>| Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-03/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 765<br>Months Reserves exceed minimum required - 155.47 mos reserves; 3 mos required | FICO 20 points or more above requirement <br> Reserves 12+ months more than requirement <br>|  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 7870964 |
| 995808 | XXXX | XXXX | XXXX<br> C<br> B<br> A | Closed | XXXX | 2026-02-27 11:41 | 2026-03-12 16:24 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received sufficient reserves. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. XXXX bank stmt - Seller-03/11/2026 <br> Counter-Received XXXX statement dated XXXX after Note Date. Provide previous months statement for consideration. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. personal assets - Seller-03/04/2026 <br> Counter-Received 1031 exchange accommodator assets. Missing 3 months reserves and 1031 exchange funds may not be considered as reserves. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. assets - Seller-03/02/2026 <br> Open-Provide additional assets to cover reserve requirement - Due Diligence Vendor-02/28/2026 | Ready for Review-Document Uploaded. XXXX bank stmt - Seller-03/11/2026 <br> Ready for Review-Document Uploaded. personal assets - Seller-03/04/2026 <br> Ready for Review-Document Uploaded. assets - Seller-03/02/2026<br>| Resolved-Received sufficient reserves. - Due Diligence Vendor-03/12/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has XXXX Required is 80 Borrower has XXXX<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744 Required is 700 Borrower has 744 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7846728 |
| 995808 | XXXX | XXXX | XXXX<br> C<br> B<br> A | Closed | XXXX | 2026-02-27 10:35 | 2026-03-03 15:37 | Resolved | 1 - Information<br> C<br> A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-The Business Entity Formation Document is not Missing - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. all LLC docs - Seller-03/02/2026 <br>Open-The Business Entity Formation Document is Missing for both LLC's listed on note - Due Diligence Vendor-02/28/2026 | Ready for Review-Document Uploaded. all LLC docs - Seller-03/02/2026<br>| Resolved-The Business Entity Formation Document is not Missing - Due Diligence Vendor-03/03/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has XXXX Required is 80 Borrower has XXXX<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744 Required is 700 Borrower has 744 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7844959 |
| 995808 | XXXX | XXXX | XXXX<br> C<br> B<br> A | Closed | XXXX | 2026-02-27 12:31 | 2026-02-27 19:27 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted to allow 2 LLC's vesting on title due to 1031. Each LLC owned 100% by each borrower respectively. Non-material waiver applied with comp factors. - Due Diligence Vendor-02/28/2026 <br>Open-Lender Exception for 2 LLC's vesting on title due to 1031. Each LLC owned 100% by each borrower respectively. - Due Diligence Vendor-02/28/2026 |  | Waived-Client exception granted to allow 2 LLC's vesting on title due to 1031. Each LLC owned 100% by each borrower respectively. Non-material waiver applied with comp factors. - Due Diligence Vendor-02/28/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has XXXX Required is 80 Borrower has XXXX<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744 Required is 700 Borrower has 744 | Loan To Value 10% or more under requirement<br> FICO 20 points or more above requirement<br> Long Term Homeownership (>5 years) |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 7847734 |
| 1002791 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 1004376 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2026-03-03 03:11 | 2026-03-04 16:25 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Title Document Missing | Resolved-Received preliminary title. - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. title - Seller-03/03/2026 <br>Open-Title Document is missing Title Commitments in file are not for the subject property. Please provide correct commitment. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. title - Seller-03/03/2026<br>| Resolved-Received preliminary title. - Due Diligence Vendor-03/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 781<br> LTV is less than guideline maximum - Required is 80 Borrower has XXXX<br> DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.46 Required is 0.8 Borrower has 1.46 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7888965 |
| 1009915 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2026-02-24 14:46 | 2026-03-03 12:10 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Upon further review, the loan file contained all required application documentation. - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. per guidelines, a final 1003 is NA for DSCR loans - Seller-03/02/2026 <br>Open-Missing Final 1003 - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. per guidelines, a final 1003 is NA for DSCR loans - Seller-03/02/2026<br>| Resolved-Upon further review, the loan file contained all required application documentation. - Due Diligence Vendor-03/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730 Required is 700 Borrower has 730<br> LTV is less than guideline maximum - Required is 80 Borrower has XXXX Required is 80 Borrower has XXXX<br> DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.375 Required is 0.8 Borrower has 1.375 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7783860 |
| 1010930 | XXXX | XXXX | XXXX<br> D<br> A<br> C | Closed | XXXX | 2026-03-03 12:05 | 2026-03-10 11:42 | Resolved | 1 - Information<br> C<br> A | Property | Appraisal | Valuation product is deficient | Resolved--Appraiser updated value from XXXX to XXXX and updated corrected appraisal provided along with Desk Review supporting appraised value of XXXX. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. correct appraisal and final inspection are enclosed... we used the value of 1.9 - Seller-03/04/2026 <br> Open-Per the CDA, the appraisal has an effective date of XXXX with a date of report of XXXX and a value of XXXX. Per the appraisal the appraisal is dated XXXX with a value of XXXX. Missing the Appraisal used in the CDA report. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. correct appraisal and final inspection are enclosed... we used the value of 1.9 - Seller-03/04/2026<br>| Resolved--Appraiser updated value from XXXX to XXXX and updated corrected appraisal provided along with Desk Review supporting appraised value of XXXX. - Due Diligence Vendor-03/10/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Calculated is 1.811, minimum required is 0.8 Required is 0.8 Borrower has 1.811<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 784<br> LTV is less than guideline maximum - Required is 80 Borrower has XXXX |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7898696 |
| 1010930 | XXXX | XXXX | XXXX<br> D<br> A<br> C | Closed | XXXX | 2026-03-03 11:24 | 2026-03-05 14:27 | Resolved | 1 - Information<br> C<br> A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received XXXX - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. - Seller-03/03/2026 <br> Open-The Deed of Trust is Incomplete Subject loan closed with a Consolidation, Extension and Modification agreement. Missing the complete agreement with all exhibits . - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. - Seller-03/03/2026<br>| Resolved-Received XXXX - Due Diligence Vendor-03/05/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Calculated is 1.811, minimum required is 0.8 Required is 0.8 Borrower has 1.811<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 784<br> LTV is less than guideline maximum - Required is 80 Borrower has XXXX |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7897953 |
| 1010930 | XXXX | XXXX | XXXX<br> D<br> A<br> C | Closed | XXXX | 2026-03-03 11:15 | 2026-03-05 14:21 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received 1004D, appraiser states Vacant. - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. final inspection showed the 4th unit is vacant - Seller-03/04/2026 <br>Open-Subejct is as 4 unit property,m the appraisal reflects all 4 units are leased. Lease agreements in the file are for Unit 2R, 1F and 2F. Missing the lease agreement for the additional Unit. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. final inspection showed the 4th unit is vacant - Seller-03/04/2026<br>| Resolved-Received 1004D, appraiser states Vacant. - Due Diligence Vendor-03/05/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Calculated is 1.811, minimum required is 0.8 Required is 0.8 Borrower has 1.811<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 784<br> LTV is less than guideline maximum - Required is 80 Borrower has XXXX |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7897172 |
| 1011152 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 1011215 | XXXX | XXXX | XXXX<br> C<br> A | Closed | XXXX | 2026-03-03 09:18 | 2026-03-09 16:48 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received final, signed CD for sale of XXXX supporting sufficient assets. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. updated seller settlement stmt - Seller-03/06/2026 <br> Counter-Received CD for sale of XXXX. Provide final CD for sale or title receipt for funds transferred $194,069.59 to subject closing. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. settlement stmt from sale - Seller-03/04/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s). Missing Final CD from sale of home - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. updated seller settlement stmt - Seller-03/06/2026 <br>Ready for Review-Document Uploaded. settlement stmt from sale - Seller-03/04/2026<br>| Resolved-Received final, signed CD for sale of XXXX supporting sufficient assets. - Due Diligence Vendor-03/09/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has XXXX<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.75 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7894460 |
| 1011215 | XXXX | XXXX | XXXX<br> C<br> A | Closed | XXXX | 2026-03-03 09:05 | 2026-03-09 16:48 | Resolved | 1 - Information<br> C<br> A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received final, signed CD for sale of XXXX supporting sufficient assets. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. updated seller settlement stmt - Seller-03/06/2026 <br> Counter-Received CD for sale of XXXX. Provide final CD for sale or title receipt for funds transferred $194,069.59 to subject closing. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. settlement stmt from sale - Seller-03/04/2026 <br> Open-Total Qualified Assets Post-Close amount is '$-129960.28'. Assets are Insufficient. Missing final CD from sale of home - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. updated seller settlement stmt - Seller-03/06/2026 <br>Ready for Review-Document Uploaded. settlement stmt from sale - Seller-03/04/2026<br>| Resolved-Received final, signed CD for sale of XXXX supporting sufficient assets. - Due Diligence Vendor-03/09/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has XXXX<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.75 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7894106 |
| 1011215 | XXXX | XXXX | XXXX<br> C<br> A | Closed | XXXX | 2026-03-02 17:04 | 2026-03-09 16:46 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received release of lien - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. discharge of lien - Seller-03/06/2026 <br>Counter-Received final CD for seller. Missing B1 #21 lien $3,740 payoff on CD. Title to confirm removed or released. - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. seller CD - Seller-03/04/2026 <br>Open-The Final SELLER CD/HUD is missing. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. discharge of lien - Seller-03/06/2026 <br>Ready for Review-Document Uploaded. seller CD - Seller-03/04/2026<br>| Resolved-Received release of lien - Due Diligence Vendor-03/09/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has XXXX<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.75 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7881387 |
| 1011229 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2026-03-02 18:11 | 2026-03-04 16:34 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOA validation. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. XXXX is a condo and we had the enclosed HOA info in our file... per fraud guard in file, the other properties are SFR which would have no HOA - Seller-03/03/2026 <br> Open-Missing verification of HOA dues for properties 3B, 3C and 3D. DTI is not yet finalized. Additional findings may apply - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. 86 Cosey is a condo and we had the enclosed HOA info in our file... per fraud guard in file, the other properties are SFR which would have no HOA - Seller-03/03/2026<br>| Resolved-Received HOA validation. - Due Diligence Vendor-03/04/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has XXXX<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 693 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7882276 |
| 1011229 | XXXX | XXXX | XXXX<br> D<br> A | Closed | XXXX | 2026-03-02 17:28 | 2026-03-04 16:29 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received confirmation of HOI policy amount. - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. binder and the paid receipt show the same policy # on each... this should be satisfactory - Seller-03/03/2026 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided The Declarations page is missing the premium amount - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. binder and the paid receipt show the same policy # on each... this should be satisfactory - Seller-03/03/2026<br>| Resolved-Received confirmation of HOI policy amount. - Due Diligence Vendor-03/04/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has XXXX<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 693 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7881778 |
| 1012581 | XXXX | XXXX | XXXX<br> A |  | XXXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |

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## Exhibit 99.33

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| **Redaction ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| 653556 | XXXX | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 4200 | Appraisal - 1007 |  | N/A |  |  | 4200 | Appraisal - 1007 | No | 245.32 |  | 0 | 10303.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 4200 |  |  |  |  |  |  |  | No | 3.7 | 1 | 1 | N/A | 34.86 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 686581 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2600 | Appraisal - 1007 |  | N/A |  |  | 2600 | Appraisal - 1007 | No | 109.24 | 0.91 | 0.915 | 2840.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2600 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 19.54 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse |  |
| 713530 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4250 | 2800 | Appraisal - 1007 |  | N/A |  |  | 4250 | Actual In Place Rent | No | 90.35 | 1.107 | 1.107 | 3839.7 | 4250 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 4250 |  |  |  |  |  |  |  | No | 1.0 | 1 | 1 | N/A | 2.41 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 721961 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3800 | Appraisal - 1007 |  | N/A |  |  | 3800 | Appraisal - 1007 | No | 128.12 | 0.78 | 0.781 | 4868.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3800 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 16.08 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 722483 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1350 | 1425 | Appraisal - 1007 |  | N/A |  |  | 1350 | Actual In Place Rent | No | 99.23 | 1.0 | 1.008 | 1339.54 | 1350 | XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 1350 |  |  |  |  |  |  |  | No | 3.8 | 1 | 1 | N/A | 68.61 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 728823 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 13140 | Short Term Rent Schedule or Analysis | 10512 | Other | 1 |  | 10512 | Other | Yes | 66.45 | 1.42 | 1.505 | 6985.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | XXXX |  | 10512 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 11.81 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 751130 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 0 | N/A | 5933.33 | AirDNA | 1 |  | 5933.33 | AirDNA | Yes | 97.91 | 1.022 | 1.021 | 5809.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 5933.33 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 23 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 774052 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3600 | Appraisal - 1007 |  | N/A |  |  | 3600 | Appraisal - 1007 | No | 127.06 | 0.787 | 0.787 | 4574.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3600 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 13.88 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 778319 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6050 | 7200 | Appraisal - 1025 |  | N/A |  |  | 6050 | Actual In Place Rent | No | 97.63 | 1.024 | 1.024 | 5906.45 | 3050 | XXXX | 12 | 3000 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 6050 |  |  |  |  |  |  |  | No | 46.7 | 1 | 1 | N/A | 47.24 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 792232 | XXXX | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 3450 | Appraisal - 1007 |  | N/A |  |  | 3450 | Appraisal - 1007 | No | 174.44 | 0.0 | 0 | 6018.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 3450 |  |  |  |  |  |  |  | No | 12.1 | 1 | 1 | N/A | 17.28 | Yes | XXXX | Corporation | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 832082 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3200 | Appraisal - 1007 |  | N/A |  |  | 3200 | Appraisal - 1007 | No | 71.09 | 1.407 | 1.407 | 2274.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3200 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 19.26 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 864613 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1925 | Appraisal - 1007 |  | N/A |  |  | 1925 | Appraisal - 1007 | No | 73.94 | 1.35 | 1.353 | 1423.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1925 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 27.93 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 866779 | XXXX | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 3300 | Appraisal - 1007 |  | N/A |  |  | 3300 | Appraisal - 1007 | No | 139.44 | 0.538 | 0 | 4601.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3300 |  |  |  |  |  |  |  | No | 3.5 | 1 | 1 | N/A | 109.39 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 871494 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3200 | 3600 | Appraisal - 1007 |  | N/A |  |  | 3200 | Actual In Place Rent | No | 99.62 | 1.0 | 1.004 | 3187.88 | 3200 | XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3200 |  |  |  |  |  |  |  | No | 43.7 | 1 | 1 | N/A | 56.76 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 874059 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1850 | Appraisal - 1007 |  | N/A |  |  | 1850 | Appraisal - 1007 | No | 84.73 | 1.18 | 1.18 | 1567.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1850 |  |  |  |  |  |  |  | No | 2.8 | 1 | 1 | N/A | 87.47 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 876284 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1900 | 1875 | Appraisal - 1007 |  | N/A |  |  | 1875 | Appraisal - 1007 | No | 95.57 | 1.02 | 1.027 | 1791.85 | 1900 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1875 |  |  |  |  |  |  |  | No | 0.6 | 1 | 1 | N/A | 3.57 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 885785 | XXXX | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 4000 | Appraisal - 1007 |  | N/A |  |  | 4000 | Appraisal - 1007 | No | 187.02 |  | 0 | 7480.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 4000 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 25.95 | Yes | XXXX | Corporation | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 886514 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4300 | Appraisal - 1007 | 5233.33 | AirDNA | 1 |  | 5233.33 | AirDNA | Yes | 99.8 | 1.002 | 1.002 | 5223.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 5233.33 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 16.72 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 889320 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4050 | 2500 | Appraisal - 1007 |  | N/A |  |  | 2500 | Appraisal - 1007 | No | 66.13 | 1.505 | 1.512 | 1653.28 | 2800 | XXXX | 12 | 1250 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 2500 |  |  |  |  |  |  |  | No | 0.7 | 1 | 1 | N/A | 118.3 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 889961 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2535 | Appraisal - 1007 |  | N/A |  |  | 2535 | Appraisal - 1007 | No | 98.22 | 1.018 | 1.018 | 2489.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2535 |  |  |  |  |  |  |  | No | 5.1 | 1 | 1 | N/A | 76.19 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 890682 | XXXX | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 6000 | Appraisal - 1007 |  | N/A |  |  | 6000 | Appraisal - 1007 | No | 117.17 |  | 0 | 7030.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 6000 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 8.95 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 890816 | XXXX | XXXX | XXXX | XXXX | XXXX | 2YR Full Doc | Present | No | 0 | 4100 | Appraisal - 1007 |  | N/A |  |  | 4100 | Appraisal - 1007 | No | 148.15 |  | 0 | 6074.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4100 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 125.27 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 891060 | XXXX | XXXX | XXXX | XXXX | XXXX | 2YR Full Doc | Present | No | 0 | 4800 | Appraisal - 1007 |  | N/A |  |  | 4800 | Appraisal - 1007 | No | 145.85 |  | 0 | 7000.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4800 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 81.2 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 891272 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2400 | Appraisal - 1007 | 3986.66 | AirDNA | 1 |  | 3986.66 | AirDNA | Yes | 59.37 | 1.684 | 1.684 | 2367.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 3986.66 |  |  |  |  |  |  |  | No | 0.1 | 1 | 1 | N/A | 57.32 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 891277 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3100 | Appraisal - 1007 |  | N/A |  |  | 3100 | Appraisal - 1007 | No | 66.52 | 1.503 | 1.503 | 2062.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3100 |  |  |  |  |  |  |  | No | 3.1 | 1 | 1 | N/A | 110.66 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 894860 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2500 | Appraisal - 1007 |  | N/A |  |  | 2500 | Appraisal - 1007 | No | 88.49 | 1.012 | 1.13 | 2212.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 2500 |  |  |  |  |  |  |  | No | 1.2 | 1 | 1 | N/A | 8.73 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 896115 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 0 | N/A | 3666 | Other | 1 |  | 3666 | Other | Yes | 115.98 | 0.862 | 0.862 | 4251.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 |  | 3666 |  |  |  |  |  |  |  | No | 1.8 | 1 | 1 | N/A | 103.3 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 898353 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2200 | Appraisal - 1007 | No | 69.59 | 1.437 | 1.437 | 1531.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2200 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 22.31 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 898360 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 0 | N/A | 10853.33 | AirDNA | 1 |  | 10853.33 | AirDNA | Yes | 58.3 | 1.716 | 1.715 | 6327.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 10853.33 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 2.88 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 898889 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3000 | 2000 | Appraisal - 1007 |  | N/A |  |  | 2000 | Appraisal - 1007 | No | 107.56 | 0.92 | 0.93 | 2151.16 | 3000 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2000 |  |  |  |  |  |  |  | No | 4.8 | 1 | 1 | N/A | 22.43 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 899069 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5850 | Appraisal - 1007 |  | N/A |  |  | 5850 | Appraisal - 1007 | No | 93.2 | 1.0 | 1.073 | 5452.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 5850 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 27.51 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| 900062 | XXXX | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 6800 | Appraisal - 1025 |  | N/A |  |  | 6800 | Appraisal - 1025 | No | 119.73 |  | 0 | 8141.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 6800 |  |  |  |  |  |  |  | No | 4.2 | 1 | 1 | N/A | 99.28 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 900236 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 0 | N/A | 6113.33 | AirDNA | 1 |  | 6113.33 | AirDNA | Yes | 74.62 | 1.34 | 1.34 | 4561.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 6113.33 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 3.19 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 900696 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 6000 | Appraisal - 1007 |  | N/A |  |  | 6000 | Appraisal - 1007 | No | 81.69 | 1.22 | 1.224 | 4901.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | XXXX |  | 6000 |  |  |  |  |  |  |  | No | 1.0 | 1 | 1 | N/A | 33.03 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 903336 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1750 | Appraisal - 1007 |  | N/A |  |  | 1750 | Appraisal - 1007 | No | 96.56 | 1.035 | 1.036 | 1689.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 1750 |  |  |  |  |  |  |  | No | 1.5 | 1 | 1 | N/A | 12.36 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 916728 | XXXX | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 8300 | Appraisal - 1025 |  | N/A |  |  | 8300 | Appraisal - 1025 | No | 86.66 | 0.86 | 0 | 7193.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 8300 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 13.12 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| 917285 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1815 | 2000 | Appraisal - 1007 |  | N/A |  |  | 1815 | Actual In Place Rent | No | 89.8 | 1.114 | 1.114 | 1629.84 | 1815 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1815 |  |  |  |  |  |  |  | No | 1.0 | 1 | 1 | N/A | 16.38 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 917287 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4000 | 3950 | Appraisal - 1025 |  | N/A |  |  | 3950 | Appraisal - 1025 | No | 87.3 | 1.145 | 1.146 | 3448.23 | 2000 | XXXX | 12 | 2000 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3950 |  |  |  |  |  |  |  | No | 4.0 | 1 | 1 | N/A | 23.6 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 917397 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1800 | 2230 | Appraisal - 1007 |  | N/A |  |  | 1800 | Actual In Place Rent | No | 98.85 | 0.98 | 1.012 | 1779.22 | 1800 | XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1800 |  |  |  |  |  |  |  | No | 5.1 | 1 | 1 | N/A | 38.71 | No | XXXX | Revocable Trust | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 920885 | XXXX | XXXX | XXXX | XXXX | XXXX | 1YR Business P&L | Present | No | 0 | 0 | N/A |  | N/A |  |  |  | N/A | No |  |  | 0 | 2808.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 0 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 45.66 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 924278 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1950 | Appraisal - 1007 | 1560 | Other | 1 |  | 1560 | Other | Yes | 115.01 | 0.87 | 0.869 | 1794.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 |  | 1560 |  |  |  |  |  |  |  | No | 0.3 | 1 | 1 | N/A | 112.37 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 929226 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3410 | Appraisal - 1007 |  | N/A |  |  | 3410 | Appraisal - 1007 | No | 121.34 | 0.82 | 0.824 | 4137.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3410 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 88.95 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 930422 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1500 | Appraisal - 1007 |  | N/A |  |  | 1500 | Appraisal - 1007 | No | 82.01 | 1.21 | 1.219 | 1230.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1500 |  |  |  |  |  |  |  | No | 0.3 | 1 | 1 | N/A | 12.08 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 934783 | XXXX | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 5800 | Appraisal - 1007 |  | N/A |  |  | 5800 | N/A | No | 137.47 |  | 0 | 9753.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 5800 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 67.38 | Yes | XXXX | Corporation | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 935186 | XXXX | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 3500 | Appraisal - 1007 |  | N/A |  |  | 3500 | Appraisal - 1007 | No | 103.11 |  | 0 | 3608.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3500 |  |  |  |  |  |  |  | No | 3.0 | 1 | 1 | N/A | 3.68 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| 938122 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2500 | 6500 | Appraisal - 1007 |  | N/A |  |  | 6500 | Appraisal - 1007 | No | 70.67 | 1.41 | 1.415 | 4593.32 | 2500 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 6500 |  |  |  |  |  |  |  | No | 1.3 | 1 | 1 | N/A | 9.58 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| 940401 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3850 | Appraisal - 1007 |  | N/A |  |  | 3850 | Appraisal - 1007 | No | 99.97 | 1.003 | 1.0 | 3848.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 |  | 3850 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 8.88 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 945546 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3200 | Appraisal - 1007 |  | N/A |  |  | 3200 | Appraisal - 1007 | No | 86.04 | 1.16 | 1.162 | 2753.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3200 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 53.97 | No | XXXX | Revocable Trust | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 950165 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5400 | 5400 | Appraisal - 1007 |  | N/A |  |  | 5400 | Appraisal - 1007 | No | 68.16 | 1.47 | 1.467 | 3680.4 | 2000 | XXXX | 1 | 1900 | XXXX | 12 | 1500 | 07-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 5400 |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 214.37 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 950381 | XXXX | XXXX | XXXX | XXXX | XXXX | 2YR Full Doc | Present | No | 0 | 3750 | Appraisal - 1007 |  | N/A |  |  | 3750 | Appraisal - 1007 | No | 111.45 |  | 0 | 4179.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3750 |  |  |  |  |  |  |  | No | 21.5 | 1 | 1 | N/A | 109.23 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 950621 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2200 | 2000 | Appraisal - 1007 |  | N/A |  |  | 2000 | Appraisal - 1007 | No | 111.89 | 0.89 | 0.894 | 2237.77 | 2200 | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2000 |  |  |  |  |  |  |  | No | 19.9 | 1 | 1 | N/A | 54.09 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 955448 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 6500 | Appraisal - 1025 |  | N/A |  |  | 6500 | Appraisal - 1025 | No | 88.88 | 1.12 | 1.125 | 5777.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 |  | 6500 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 81.99 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 957795 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3200 | Appraisal - 1007 |  | N/A |  |  | 3200 | Appraisal - 1007 | No | 90.3 | 1.1 | 1.107 | 2889.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3200 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 7.5 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 961904 | XXXX | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 4100 | Appraisal - 1007 |  | N/A |  |  | 4100 | Appraisal - 1007 | No | 159.77 |  | 0 | 6550.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4100 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 7.57 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 967079 | XXXX | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 4200 | Appraisal - 1007 |  | N/A |  |  | 4200 | Appraisal - 1007 | No | 150.61 |  | 0 | 6325.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4200 |  |  |  |  |  |  |  | No | 4.2 | 1 | 1 | N/A | 53.86 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 985920 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4400 | 4500 | Appraisal - 1007 |  | N/A |  |  | 4500 | Appraisal - 1007 | No | 89.91 | 1.11 | 1.112 | 4045.78 | 4400 | XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4500 |  |  |  |  |  |  |  | No | 1.9 | 1 | 1 | N/A | 27.45 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 988485 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 6500 | Appraisal - 1025 |  | N/A |  |  | 6500 | Appraisal - 1025 | No | 77.29 | 1.28 | 1.294 | 5024.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 6500 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 3.05 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 988619 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 6300 | Appraisal - 1007 |  | N/A |  |  | 6300 | Appraisal - 1007 | No | 63.63 | 1.57 | 1.572 | 4008.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 6300 |  |  |  |  |  |  |  | No | 6.7 | 1 | 1 | N/A | 26.84 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 988678 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3200 | Appraisal - 1007 |  | N/A |  |  | 3200 | Appraisal - 1007 | No | 86.8 | 1.15 | 1.152 | 2777.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 3200 |  |  |  |  |  |  |  | No | 1.2 | 1 | 1 | N/A | 45.88 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 995054 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 7700 | Appraisal - 1025 |  | N/A |  |  | 7700 | Appraisal - 1025 | No | 89.06 | 1.12 | 1.123 | 6857.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 7700 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 155.47 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 995808 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 7600 | Appraisal - 1007 |  | N/A |  |  | 7600 | Appraisal - 1007 | No | 70.04 | 1.42 | 1.428 | 5323.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 7600 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 44.23 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| 1002791 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2500 | Appraisal - 1007 |  | N/A |  |  | 2500 | Appraisal - 1007 | No | 88.72 | 1.12 | 1.127 | 2218.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2500 |  |  |  |  |  |  |  | No | 2.4 | 1 | 1 | N/A | 36.55 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 1004376 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3500 | 4000 | Appraisal - 1007 |  | N/A |  |  | 4000 | Appraisal - 1007 | No | 68.48 | 1.46 | 1.46 | 2739.02 | 3500 | XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4000 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 4.26 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 1009915 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 8100 | Appraisal - 1007 |  | N/A |  |  | 8100 | Appraisal - 1007 | No | 72.75 | 1.37 | 1.375 | 5893.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 8100 |  |  |  |  |  |  |  | No | 6.2 | 1 | 1 | N/A | 0 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 1010930 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 12195 | 12800 | Appraisal - 1025 |  | N/A |  |  | 12800 | Appraisal - 1025 | No | 55.2 | 1.8 | 1.811 | 7066.07 | 3495 | XXXX | 12 | 3100 | XXXX | 25 | 3000 | 05-30-2026 | 14 | 2600 | 08-19-2026 | 24 |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 12800 |  |  |  |  |  |  |  | No | 2.5 | 1 | 1 | N/A | 0 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| 1011152 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2500 | 5000 | Appraisal - 1007 |  | N/A |  |  | 5000 | Appraisal - 1007 | No | 96.28 | 1.0 | 1.039 | 4813.85 | 0 | XXXX | 1 | 2500 | XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 5000 |  |  |  |  |  |  |  | No | 18.7 | 1 | 1 | N/A | 84.24 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 1011229 | XXXX | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 3750 | 4600 | Appraisal - 1007 |  | N/A |  |  | 3750 | Actual In Place Rent | No | 116.13 |  | 0 | 4354.78 | 3750 | XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3750 |  |  |  |  |  |  |  | No | 5.7 | 1 | 1 | N/A | 17.27 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 1012581 | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 11345 | 12800 | Appraisal - 1025 |  | N/A |  |  | 12800 | Appraisal - 1025 | No | 41.07 | 2.37 | 2.435 | 5257.11 | 2850 | XXXX | 12 | 2900 | XXXX | 24 | 2700 | 05-30-2026 | 17 | 2895 | 08-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 12800 |  |  |  |  |  |  |  | No | 9.0 | 1 | 1 | N/A | 11.45 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |

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## Exhibit 99.34

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redaction ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 653556 | XXXX | XXXX | XXXX | 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 | Yes | Yes | 2938752.51 | Yes | Employed |  | No |  | Yes | Present |
| 671301 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 17844 | 7.629 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13681.05 | Yes | Employed | Not Employed | No | No | No |  |
| 686573 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 6568.5 | 9.284 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1692.64 | No | Employed | Not Employed | No | No | No |  |
| 686581 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 713530 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 721961 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 722483 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 728823 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 730607 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 30338.75 | 8.468 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 74094.07 | N/A | Employed |  | No |  | No |  |
| 733596 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2611 | 7.665 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15255.3 | N/A | Employed |  | No |  | No |  |
| 743852 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 6243 | 8.856 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5010.02 | Yes | Employed |  | No |  | No |  |
| 746865 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9728.02 | 7.773 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27374.32 | Yes | Employed |  | No |  | No |  |
| 746866 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 7945 | 8.27 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5295.98 | Yes | Employed |  | No |  | No |  |
| 751130 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 752515 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6995 | 7.745 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 5803.16 | N/A | Employed |  | No |  | No |  |
| 754668 | XXXX | XXXX | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 17324.25 | 8.415 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 29235.57 | N/A | Employed |  | No |  | No |  |
| 758252 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 30480.9 | 8.172 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38720.84 | Yes | Employed |  | No |  | No |  |
| 774052 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 778319 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 781490 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 13230 | 9.509 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 17366.28 | Yes | Employed |  | No |  | No |  |
| 792231 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6522.5 | 7.512 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4271.95 | N/A | Employed | Employed | No | No | No |  |
| 792232 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 77150.46 | N/A | Employed |  | No |  | Yes | Present |
| 817405 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7983.62 | 7.328 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8931.51 | N/A | Employed |  | No |  | No |  |
| 831942 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 19195 | 7.539 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20337.17 | N/A | Employed |  | No |  | No |  |
| 832082 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859953 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1590 | 7.279 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15974.5 | Yes | Employed |  | No |  | No |  |
| 864613 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 865346 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 17380 | 7.419 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12303.91 | Yes | Employed |  | No |  | No |  |
| 866779 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | 15167.58 | Yes | Employed |  | No |  | Yes | Present |
| 869879 | XXXX | XXXX | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 10601.25 | 8.044 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13739.28 | Yes | Employed |  | No |  | No |  |
| 871493 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6202.5 | 7.103 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7946.73 | Yes | Employed |  | No |  | No |  |
| 871494 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 874059 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 876284 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 885593 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1995 | 6.798 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 6579.43 | Yes | Employed |  | No |  | No |  |
| 885785 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 71632.75 | N/A | Employed |  | No |  | Yes | Present |
| 886514 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 889320 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 889961 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 890682 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | Yes | Yes | Yes | 19856.35 | Yes | Employed |  | No |  | Yes | Present |
| 890816 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | Yes | Yes | N/A | N/A | 8248.72 | Yes | Employed |  | No |  | Yes | Present |
| 891060 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | Yes | No | No | No | No |  |  |  | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | 7132.48 | N/A | Employed |  | No |  | Yes | Present |
| 891272 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 891277 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 894860 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 894862 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 13440.11 | 7.975 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9013.49 | N/A | Employed |  | No |  | No |  |
| 896115 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 896118 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 20595 | 7.472 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18138.44 | Yes | Employed |  | No |  | No |  |
| 898352 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 14841.25 | 8.02 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34653.53 | Yes | Not Employed | Not Employed | No | No | No |  |
| 898353 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 898360 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 898889 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 899069 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 900062 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | Yes | N/A | 121306.87 | N/A | Employed |  | No |  | Yes | Present |
| 900236 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 900400 | XXXX | XXXX | XXXX | 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 | 1590 | 6.798 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5522.97 | Yes | Employed |  | No |  | No |  |
| 900696 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 903334 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10937.5 | 7.456 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 25934.39 | Yes | Employed | Not Employed | No | No | No |  |
| 903336 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 903339 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13345 | 7.534 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22129.26 | Yes | Employed |  | No |  | No |  |
| 903343 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2595 | 7.142 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5300.43 | Yes | Employed |  | No |  | No |  |
| 905906 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10163.75 | 7.672 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19640.17 | N/A | Employed | Not Employed | No | No | No |  |
| 911384 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 18483.3 | 7.287 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 11596.58 | N/A | Employed | Employed | No | No | No |  |
| 916728 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 13025.37 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 917285 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 917287 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 917397 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 919206 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 18829.02 | 7.238 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10339.25 | Yes | Employed |  | No |  | No |  |
| 920885 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 49885.18 | Yes | Employed |  | No |  | Yes | Present |
| 924278 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 925390 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 7390 | 7.056 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8362.13 | Yes | Employed |  | No |  | No |  |
| 926492 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 31351.68 | 7.326 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7229.17 | Yes | Employed |  | No |  | No |  |
| 929226 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 930422 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 934783 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 413663.2 | Yes | Employed |  | No |  | Yes | Present |
| 935174 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 37727.8 | 6.858 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 101047.46 | Yes | Employed |  | No |  | No |  |
| 935186 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8571.85 | Yes | Not Employed | Employed | No | No | Yes | Present |
| 936559 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2045 | 7.049 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12446.61 | N/A | Employed | Employed | No | No | No |  |
| 938122 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 940401 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 940473 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1590 | 6.776 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10808.17 | N/A | Employed | Employed | No | No | No |  |
| 940500 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 11819.09 | 8.293 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24896.95 | Yes | Employed |  | No |  | No |  |
| 944222 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1590 | 6.531 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 19140.47 | N/A | Employed |  | No |  | No |  |
| 944884 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1590 | 6.897 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 9330.47 | N/A | Employed |  | No |  | No |  |
| 945546 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 945621 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1590 | 6.709 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 28024.32 | N/A | Employed | Employed | No | No | No |  |
| 946705 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6216 | 7.159 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10026.79 | N/A | Employed | Not Employed | No | No | No |  |
| 950165 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 950219 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11668.73 | 7.287 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4400.89 | Yes | Employed |  | No |  | No |  |
| 950381 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | Yes | N/A | 15650.98 | Yes | Employed |  | No |  | Yes | Present |
| 950621 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 955448 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 957795 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 958244 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10725 | 6.951 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9775.68 | N/A | Employed |  | No |  | No |  |
| 959452 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13194 | 7.197 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 10050.69 | N/A | Employed |  | No |  | No |  |
| 961904 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 20509.42 | Yes | Employed |  | No |  | Yes | Present |
| 967079 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | 90194.79 | Yes | Employed |  | No |  | Yes | Present |
| 971550 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6340 | 7.062 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4924.22 | Yes | Employed | Not Employed | No | No | No |  |
| 978675 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8395 | 7.425 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 10533.79 | Yes | Employed |  | No |  | No |  |
| 985920 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 988485 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 988619 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 988678 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 988946 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1590 | 6.788 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 17784.06 | Yes | Not Employed | Employed | No | No | No |  |
| 995054 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 995808 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 1002791 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 1004376 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 1009915 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 1010930 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | Yes | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 1011152 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 1011215 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1590 | 6.909 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 13360.86 | N/A | Employed | Employed | No | No | No |  |
| 1011229 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 16837.21 | Yes | Employed |  | No |  | Yes | Present |
| 1012581 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.35

![](image2.gif)

**NARRATIVE**

**SPIRE 2026-2**

**By Canopy Financial Technology Partners LLC on April 22, 2026**

Canopy Financial Technology Partners LLC

chweeler@canopytpr.com \| 801-792-2995 \| www.canopytpr.com

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

------

![](image2.gif)

**Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by Aspire Sponsor, LLC (the "Client") or its affiliated company. The Review was conducted from October 2025 to March 2026 via files imaged and provided by the Client for review.

The Review consisted of a population of fifty-eight (58) loans with an aggregate principal balance of $30,467,136.

**Loan Sampling**

The Client defined the sample size and the random sampling of the Loans to be included in the Review.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs); Fitch Ratings, Inc. and Kroll Bond Rating Agency, LLC.

**Data Integrity**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp; **Field Label**  | &nbsp;&nbsp; **Logic Applied**  |
| &nbsp;&nbsp; All Borrower Total Income  | &nbsp;&nbsp; Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No  |
| &nbsp;&nbsp; Amortized Term  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Application Date  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Borrower 1 Citizen  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Borrower 1 Self Employed Flag  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Borrower 2 Citizen  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Borrower 2 Self-Employment Flag  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Business Purpose Flag  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Cash Disbursement Date  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Combined LTV  | &nbsp;&nbsp; Apply 1% Tolerance if < 80%  |
| &nbsp;&nbsp; DSCR  | &nbsp;&nbsp; .25% tolerance  |
| &nbsp;&nbsp; Escrow Flag  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Final Reviewed QM Status  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; First Interest Rate Change Date  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; First Payment Date  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Higher Priced Mortgage Loan (HPML) Flag  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Index  | &nbsp;&nbsp; No tolerance  |

---

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![](image2.gif)

---

| | |
|:---|:---|
| &nbsp;&nbsp; Initial Monthly P&I Or IO Payment  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Lien Position  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Loan Program  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Loan Purpose  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Margin (ARM Loan)  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Mortgage Origination Channel  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Note Interest Only Term  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Note Date  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Occupancy Type  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Original Appraised Value  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Original Balance  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Original LTV  | &nbsp;&nbsp; Apply 1% Tolerance if < 80%  |
| &nbsp;&nbsp; Origination BK Flag  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Originator QM Status  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Origination Date  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Origination Foreclosure Flag  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Prepayment Penalty Term  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Property Type  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Property Zip Code  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Qualifying FICO  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Qualifying Total Debt Income Ratio  | &nbsp;&nbsp; Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No  |
| &nbsp;&nbsp; Sales Price  | &nbsp;&nbsp; No tolerance  |
| &nbsp;&nbsp; Underwriting Guideline Product Name  | &nbsp;&nbsp; No tolerance  |

---

**Credit Underwriting**

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

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

● Assets and Reserves;

● DTI;

● DSCR;

● Gross Income;

● Housing history;

● Lien Position;

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![](image2.gif)

● Loan Purpose;

● LTV/CLTV;

● Monthly debt service;

● Occupancy;

● Property Type;

● Qualifying PITI; and

● Residual Income.

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

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

● Borrower(s) employment history ;

● Citizenship and eligibility;

● First time home buyer status ;

● The application was signed by all borrowers; and

● The application was substantially completed.

**Credit History:** Canopy verified:

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

● Bankruptcy and foreclosure seasoning;

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

● Installment and revolving payment history;

● Mortgage/rental payment history;

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

● Number of tradelines; and

● Representative Credit Score and Methodology.

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

● Verbal or Written VOE's;

● Paystubs;

● W-2 forms;

● Tax returns;

● Financial statements;

● Award letters;

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

**Fraud Review:** For all Loans, the Client provided the results from a third-party anti-fraud tool to Vendor.

------

![](image2.gif)

In accordance with the type of fraud report provided, Canopy utilized the results provided by the Client along with information in the Loan File, to identify and address any potential misrepresentations including:

● Borrower identity:

o

Social Security inconsistencies

o

Borrower name variations

● Employment:

● Licensing – reviewed NMLS data for:

o

Mortgage lender/originator

o

Loan officer

● Occupancy:

o

Borrower address history

o

Subject property ownership history

● OFAC.

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

● Depository account statements;

● Gift funds;

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

● Stock or security account statements; and/or

● VOD's.

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

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

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

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

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

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

------

![](image2.gif)

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

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

**Automated Underwriting System Findings:** N/A

**Document Review**

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

● Initial application (1003);

● Final application (1003);

● Note;

● Mortgage/Deed of Trust;

● Appraisal;

● Sales Contract;

● Title Commitment/Policy;

● Junior Lien/Subordination Agreement;

● Mortgage Insurance;

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

● Flood Certification;

● Initial and Final Loan Estimate (LE);

● Initial and Final and Closing Disclosure (CD);

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

**Business Purpose Validation**

For Loans originated as Business Purpose loans (as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act ("TILA") [15 U.S.C. 1601 et seq.]), Canopy assessed that the facts and circumstances of the subject loan did not trigger Consumer Purpose classification (also as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act [15 U.S.C. 1601 et seq.]).

**"Missing Document" to Cleared Exception:** In the event that there was no express statement in the Loan File, and there was no express evidence in the Loan File that the loan proceeds were used for "Business Purpose" Canopy assigned the file a "D" grade for missing said documentation. In the event that the express statement, or with clear, unequivocal documented evidence of use of loan proceeds for non-consumer, business purpose, was provided by the lender that defines and/or evidences the "primary purpose" of the loan as "business purpose" the "D" grade – "Missing Document", was cleared by Canopy.

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**"Missing Document" to "B" Grade:** In the event that there was no express statement in the Loan File, and there was no express evidence provided that the loan proceeds were used for "Business Purpose", Canopy gave the file a "D" grade, for missing documentation. In the event that there was not any express statement or evidence of business purpose use of the proceeds, then the "D" grade – "Missing Document" initial finding was re-graded after conducting a full Consumer Purpose, regulatory compliance review, as applicable to assignees for Consumer Purpose loans. In the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

**"Material Compliance Violation":** In the event that no express statement existed in the Loan File, Canopy assessed any and all documentation provided to determine what the actual use of the proceeds were, to best identify that the "primary purpose" of the loan was not in fact for "business purpose" as relied upon by the lender, but is in fact for a "consumer purpose". If, in fact, evidence existed that the proceeds were used for personal, Consumer Purpose, then Canopy identified that the "primary purpose" of the loan is not "business purpose" and as "consumer purpose" subject to the full Consumer Purpose regulatory compliance obligations of an originator as it applies to an assignee, with a material compliance exception of a "C" grade.

**"Material Compliance Violation" to "B" Grade:** The above noted Material Compliance Violation was re-graded to a "B" grade by conducting a full Consumer Purpose regulatory compliance review, as applicable to assignees for Consumer Purpose loans, and in the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

**Compliance Review**

Canopy reviewed each Loan File and, if applicable, verified that it was consummated in compliance with the applicable federal, state, and local anti-predatory lending statutes in effect at the time of origination of the mortgage loan. Canopy' review included, but was not limited to, the verification and validation that each mortgage loan met the relevant provisions of:

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

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

(iii) the **Real Estate Settlement Procedures Act** ("<u>RESPA</u>"), 12 U.S.C. §2603, as implemented by Regulation X, 12 C.F.R. Part 1024;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

i. Initial and final application (1003)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

ii. Note, including all addendums

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

iv. Mortgage / Deed of Trust, including all riders

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

vii. Notice of Right to Cancel (as applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

viii. Rate Lock Date Information;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

ix. HOEPA Disclosures (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

x. Initial Escrow Account Disclosure

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

ii. **Right of Rescission**. A review of the TILA Right of Rescission, Notice of Right to Cancel, including a verification of the transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required parties, verifying the disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s). The appropriate Model Form will be tested according to applicable U.S. Court of Appeals, Circuit Court rulings;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

**e.** **Miscellaneous Compliance Testing:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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

**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● 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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)** 

With respect to QM (Safe Harbor and Rebuttable Presumption) designated loans, Canopy reviews the loan to determine whether, based on available information in the Loan File: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of

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consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

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

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

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

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

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

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**VALUATION REVIEW**

Canopy reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, integrity of comparable sales, completeness of data and eligibility of the appraiser, consistent with underwriting guidelines, variances, tolerances, and exception authorities established by Client. Additionally, Canopy determined that the appraised value appeared to be reasonably supported ("Value-Supported Analysis"), based on the valuation provided by the Independent Third-party Review.

● With respect to Title XI of FIRREA, Canopy checked for the presence of the appraiser's license, and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

● With respect to USPAP, Canopy confirmed the appraiser's certification is present and executed within the original appraisal.

### Independent third-party values, CU SCORES and FHLMC REPS and WARRANTS
Canopy applied a cascade methodology to determine if the original appraisal value was reasonably supported when compared to an independent third-party valuation product.

#### Valuation Reconciliation Process:
● If a Desk Review, or other acceptable review product, was provided supporting the origination appraised value within a -10% variance and acceptable confidence score, no additional products were required.

● In the event a Desk Review yielded material exceptions or had a value exceeding a negative ten percent (-10%) variance, a field review or second appraisal was ordered to further establish value.

#### Agency Eligible Loans:
45. For FNMA loans, if a CU Score was available and the CU Score was greater than 2.5, Canopy ordered an AVM or Desk Review. If the CU Score was less than or equal to 2.5, no further review product was required based on market acceptance of Agency Eligible Loans.

● For FHLMC loans, if the FHLMC Rep & Warrant Relief indicator was Not Eligible, Canopy ordered an AVM or Desk Review. If the FHLMC Rep & Warrant Relief indicator was Eligible, no further review product was required based on market acceptance of Agency Eligible Loans.

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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

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

---

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

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

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

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded with the grading of the Credit, Property/Valuation, and Compliance sections. 98.28% (57 loans) have an overall grade of "A" and 1.72% (1 loan) have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 98.28%, (57 loans) of mortgage loans reviewed, and 1.72% (1 loan) has a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 100.00%, (58 loans) of mortgage loans reviewed, and 0.00% (0 loans) have a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 100.00%, (58 loans) of mortgage loans reviewed, and 0.00% (0 loans) have a Property/Valuation grade of "B".

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![](image2.gif)

**FINDINGS TABLE**

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **OVERALL REVIEW RESULTS**  | &nbsp;&nbsp; **OVERALL REVIEW RESULTS**  | &nbsp;&nbsp; **OVERALL REVIEW RESULTS**  |
| &nbsp;&nbsp; **Final Grade**  | &nbsp;&nbsp; **Loan Count**  | &nbsp;&nbsp; **% of Sample**  |
| &nbsp;&nbsp; A  | &nbsp;&nbsp; 57  | &nbsp;&nbsp; 98.28%  |
| &nbsp;&nbsp; B  | &nbsp;&nbsp; 1  | &nbsp;&nbsp; 1.72%  |
| &nbsp;&nbsp; C  | &nbsp;&nbsp; 0  | &nbsp;&nbsp; 0.00%  |
| &nbsp;&nbsp; D  | &nbsp;&nbsp; 0  | &nbsp;&nbsp; 0.00%  |
| &nbsp;&nbsp; **Grand Total**  | &nbsp;&nbsp; **58**  | &nbsp;&nbsp; **100.00%**  |
| &nbsp;&nbsp; **CREDIT REVIEW RESULTS**  | &nbsp;&nbsp; **CREDIT REVIEW RESULTS**  | &nbsp;&nbsp; **CREDIT REVIEW RESULTS**  |
| &nbsp;&nbsp; **Final Grade**  | &nbsp;&nbsp; **Loan Count**  | &nbsp;&nbsp; **% of Sample**  |
| &nbsp;&nbsp; A  | &nbsp;&nbsp; 57  | &nbsp;&nbsp; 98.28%  |
| &nbsp;&nbsp; B  | &nbsp;&nbsp; 1  | &nbsp;&nbsp; 1.72%  |
| &nbsp;&nbsp; C  | &nbsp;&nbsp; 0  | &nbsp;&nbsp; 0.00%  |
| &nbsp;&nbsp; D  | &nbsp;&nbsp; 0  | &nbsp;&nbsp; 0.00%  |
| &nbsp;&nbsp; **Grand Total**  | &nbsp;&nbsp; **58**  | &nbsp;&nbsp; **100.00%**  |
| &nbsp;&nbsp; **COMPLIANCE REVIEW RESULTS**  | &nbsp;&nbsp; **COMPLIANCE REVIEW RESULTS**  | &nbsp;&nbsp; **COMPLIANCE REVIEW RESULTS**  |
| &nbsp;&nbsp; **Final Grade**  | &nbsp;&nbsp; **Loan Count**  | &nbsp;&nbsp; **% of Sample**  |
| &nbsp;&nbsp; A  | &nbsp;&nbsp; 58  | &nbsp;&nbsp; 100.00%  |
| &nbsp;&nbsp; B  | &nbsp;&nbsp; 0  | &nbsp;&nbsp; 0.00%  |
| &nbsp;&nbsp; C  | &nbsp;&nbsp; 0  | &nbsp;&nbsp; 0.00%  |
| &nbsp;&nbsp; D  | &nbsp;&nbsp; 0  | &nbsp;&nbsp; 0.00%  |
| &nbsp;&nbsp; **Grand Total**  | &nbsp;&nbsp; **58**  | &nbsp;&nbsp; **100.00%**  |
| &nbsp;&nbsp; **PROPERTY REVIEW RESULTS**  | &nbsp;&nbsp; **PROPERTY REVIEW RESULTS**  | &nbsp;&nbsp; **PROPERTY REVIEW RESULTS**  |
| &nbsp;&nbsp; **Final Grade**  | &nbsp;&nbsp; **Loan Count**  | &nbsp;&nbsp; **% of Sample**  |
| &nbsp;&nbsp; A  | &nbsp;&nbsp; 58  | &nbsp;&nbsp; 100.00%  |
| &nbsp;&nbsp; B  | &nbsp;&nbsp; 0  | &nbsp;&nbsp; 0.00%  |
| &nbsp;&nbsp; C  | &nbsp;&nbsp; 0  | &nbsp;&nbsp; 0.00%  |
| &nbsp;&nbsp; D  | &nbsp;&nbsp; 0  | &nbsp;&nbsp; 0.00%  |
| &nbsp;&nbsp; **Grand Total**  | &nbsp;&nbsp; **58**  | &nbsp;&nbsp; **100.00%**  |

---

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![](image2.gif)

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; **Amortization Type**  | &nbsp;&nbsp; **Loan Count**  | &nbsp;&nbsp; **% of Loans**  | &nbsp;&nbsp; **Original Balance**  |
| &nbsp;&nbsp; Fixed  | &nbsp;&nbsp; 58  | &nbsp;&nbsp; 100.00%  | &nbsp;&nbsp; $30467136.00  |
| &nbsp;&nbsp; ARM  | &nbsp;&nbsp; 0  | &nbsp;&nbsp; 0.00%  | &nbsp;&nbsp; $0.00  |
| &nbsp;&nbsp; **Total**  | &nbsp;&nbsp; **58**  | &nbsp;&nbsp; **100.00%**  | &nbsp;&nbsp; **$30467136.00**  |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; **Lien Position**  | &nbsp;&nbsp; **Loan Count**  | &nbsp;&nbsp; **% of Loans**  | &nbsp;&nbsp; **Original Balance**  |
| &nbsp;&nbsp; First  | &nbsp;&nbsp; 58  | &nbsp;&nbsp; 100.00%  | &nbsp;&nbsp; $30467136.00  |
| &nbsp;&nbsp; Second  | &nbsp;&nbsp; 0  | &nbsp;&nbsp; 0.00%  | &nbsp;&nbsp; $0.00  |
| &nbsp;&nbsp; **Total**  | &nbsp;&nbsp; **58**  | &nbsp;&nbsp; **100.00%**  | &nbsp;&nbsp; **$30467136.00**  |
| &nbsp;&nbsp; **Loan Purpose**  | &nbsp;&nbsp; **Loan Count**  | &nbsp;&nbsp; **% of Loans**  | &nbsp;&nbsp; **Original Balance**  |
| &nbsp;&nbsp; Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate  | &nbsp;&nbsp; 1  | &nbsp;&nbsp; 1.724%  | &nbsp;&nbsp; $252000.00  |
| &nbsp;&nbsp; Cash Out: Home Improvement/Renovation  | &nbsp;&nbsp; 0  | &nbsp;&nbsp; 0.000%  | &nbsp;&nbsp; $0.00  |
| &nbsp;&nbsp; Cash Out: Other/Multi-Purpose/Unknown Purpose  | &nbsp;&nbsp; 15  | &nbsp;&nbsp; 25.862%  | &nbsp;&nbsp; $5977853.00  |
| &nbsp;&nbsp; Limited Cash Out (GSE Definition)  | &nbsp;&nbsp; 0  | &nbsp;&nbsp; 0.000%  | &nbsp;&nbsp; $0.00  |
| &nbsp;&nbsp; First Time Home Purchase  | &nbsp;&nbsp; 16  | &nbsp;&nbsp; 27.586%  | &nbsp;&nbsp; $7185950.00  |
| &nbsp;&nbsp; Other Than First Time Home Purchase  | &nbsp;&nbsp; 13  | &nbsp;&nbsp; 22.414%  | &nbsp;&nbsp; $4503525.00  |
| &nbsp;&nbsp; Rate/Term Refinance - Borrower Initiated  | &nbsp;&nbsp; 13  | &nbsp;&nbsp; 22.414%  | &nbsp;&nbsp; $12547808.00  |
| &nbsp;&nbsp; **Total**  | &nbsp;&nbsp; **58**  | &nbsp;&nbsp; **100.00%**  | &nbsp;&nbsp; **$30467136.00**  |
| &nbsp;&nbsp; **Original Term**  | &nbsp;&nbsp; **Loan Count**  | &nbsp;&nbsp; **% of Loans**  | &nbsp;&nbsp; **Original Balance**  |
| &nbsp;&nbsp; 120 Months  | &nbsp;&nbsp; 0  | &nbsp;&nbsp; 0.00%  | &nbsp;&nbsp; $0.00  |
| &nbsp;&nbsp; 121 - 180 Months  | &nbsp;&nbsp; 0  | &nbsp;&nbsp; 0.00%  | &nbsp;&nbsp; $0.00  |
| &nbsp;&nbsp; 181 - 240 Months  | &nbsp;&nbsp; 0  | &nbsp;&nbsp; 0.00%  | &nbsp;&nbsp; $0.00  |
| &nbsp;&nbsp; 241 - 300 Months  | &nbsp;&nbsp; 0  | &nbsp;&nbsp; 0.00%  | &nbsp;&nbsp; $0.00  |
| &nbsp;&nbsp; 301 - 360 Months  | &nbsp;&nbsp; 57  | &nbsp;&nbsp; 98.28%  | &nbsp;&nbsp; $29823136.00  |
| &nbsp;&nbsp; 421 - 480 Months  | &nbsp;&nbsp; 1  | &nbsp;&nbsp; 1.72%  | &nbsp;&nbsp; $644000.00  |
| &nbsp;&nbsp; **Total**  | &nbsp;&nbsp; **58**  | &nbsp;&nbsp; **100.00%**  | &nbsp;&nbsp; **$30467136.00**  |
| &nbsp;&nbsp; **Occupancy**  | &nbsp;&nbsp; **Loan Count**  | &nbsp;&nbsp; **% of Loans**  | &nbsp;&nbsp; **Original Balance**  |
| &nbsp;&nbsp; Owner Occupied  | &nbsp;&nbsp; 37  | &nbsp;&nbsp; 63.79%  | &nbsp;&nbsp; $21352736.00  |
| &nbsp;&nbsp; Second Home  | &nbsp;&nbsp; 0  | &nbsp;&nbsp; 0.00%  | &nbsp;&nbsp; $0.00  |
| &nbsp;&nbsp; Investment Property  | &nbsp;&nbsp; 21  | &nbsp;&nbsp; 36.21%  | &nbsp;&nbsp; $9114400.00  |
| &nbsp;&nbsp; **Total**  | &nbsp;&nbsp; **58**  | &nbsp;&nbsp; **100.00%**  | &nbsp;&nbsp; **$30467136.00**  |

---

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![](image2.gif)

**DATA COMPARISON RESULTS**

Of the fifty-eight (58) mortgage Loan Files reviewed, eleven (11) unique loans (18.97% by number) had eleven (11) tape comparison discrepancies across three (3) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **Field Label**  | &nbsp;&nbsp; **Logic Applied**  | &nbsp;&nbsp; **# Loans with Discrepancy**  | &nbsp;&nbsp; **Total Times Compared**  | &nbsp;&nbsp; **% Variance**  |
| &nbsp;&nbsp; Property City  | &nbsp;&nbsp; No tolerance  | &nbsp;&nbsp; 1  | &nbsp;&nbsp; 58  | &nbsp;&nbsp; 1.72%  |
| &nbsp;&nbsp; Property Type  | &nbsp;&nbsp; No tolerance  | &nbsp;&nbsp; 9  | &nbsp;&nbsp; 58  | &nbsp;&nbsp; 15.52%  |
| &nbsp;&nbsp; Property Zip Code  | &nbsp;&nbsp; No tolerance  | &nbsp;&nbsp; 1  | &nbsp;&nbsp; 58  | &nbsp;&nbsp; 1.72%  |

---

**Disclaimer**

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

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

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

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance. Neither supplemental factual investigation nor enhanced reviews can guarantee that all information provided to the Company will be accurate. Reports are, and must be construed solely as, statements of opinion and not as statements of fact as to credit worthiness, investment, financial, or other recommendation to purchase, sell, or hold any security.* 

*Reports may contain assumptions and/or predictions regarding future events which are "forward-looking" and inherently cannot be verified as facts. Consequently, Reports may be affected by future events or conditions which were not anticipated at the time the Report was made. Such forward-looking statements necessarily involve risks and uncertainties which may result in future performance that is materially different from the Report's assumptions and/or conclusions. As such, Reports are not a guaranty of future performance nor a prospectus related to the underlying securities (if any), and under reliance should not be placed upon the Reports in the purchase, sale, or holding of any security.*

## Exhibit 99.36

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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 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 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 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 | 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 |
| **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** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **Appraiser License #** | **Appraiser First Name** | **Appraisal Last Name** | **Maturity Date** | **Number of Units** |
| 624634 |  | 624634 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 28.63% | 28.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0<br> NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 24 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No | Closed End | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.2 | N/A | xxx | xxx | xxx | xxx | 1 |
| 271787 |  | 271787 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 19.70% | 19.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Business Bank Statements Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 270264 |  | 270264 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.66% | 41.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - [] | Borrower - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 72.04 | N/A | xxx | xxx | xxx | xxx | 1 |
| 344832 |  | 344832 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 21.33% | 21.33% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0<br> NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | xxx | xxx | xxx | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 520195 |  | 520195 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.001 | 1 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Foreign National | Foreign National | N/A | Passport | USA PATRIOT ACT | xxx | xxx | xxx | xxx | xxx | N/A |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | 363 Utility bill | .00 | .00 | xxx | xxx | No | 64.93 | N/A | xxx | xxx | xxx | xxx | 1 |
| 480897 |  | 480897 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.091 | 1.091 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Other | USA PATRIOT ACT  | xxx | xxx | xxx |  |  | I-551 Stamp and Passport |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | xxx | No | 60.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 657894 |  | 657894 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.49% | 32.49% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0<br> NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 51.00% | 49.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A<br> NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] \|\| Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] \|\| Co Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | Permanent Resident Alien | Permanent Resident Alien | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 63.45 | N/A | xxx | xxx | xxx | xxx | 1 |
| 141771 |  | 141771 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 16.02% | 16.02% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 34 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 61.54 | N/A | xxx | xxx | xxx | xxx | 1 |
| 598156 |  | 598156 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.37% | 47.37% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 442510 |  | 442510 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.23% | 49.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 39.25 | N/A | xxx | xxx | xxx | xxx | 1 |
| 939828 |  | 939828 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.88 | 1.87 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | xxx | xxx | xxx | No | 62.22 | N/A | xxx | xxx | xxx | xxx | 4 |
| 731652 |  | 731652 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.152 | 1.48 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Foreign National | Foreign National | N/A | Passport |  | xxx | xxx | xxx | xxx | xxx | Work Visa  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.68 | N/A | xxx | xxx | xxx | xxx | 4 |
| 945015 |  | 945015 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.978 | 0.91 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Foreign National | Foreign National | N/A | Passport |  | xxx | xxx | xxx | xxx | xxx | Work Visa  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 65.0 | N/A | xxx | xxx | xxx | xxx | 4 |
| 803400 |  | 803400 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 39.40% | 39.40% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 68.97 | N/A | xxx | xxx | xxx | xxx | 1 |
| 794998 |  | 794998 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.109 | 1.1 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | xxx | xxx | xxx | No | 57.93 | N/A | xxx | xxx | xxx | xxx | 1 |
| 575079 |  | 575079 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 11.01% | 11.01% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0<br> NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 95.41% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2026"] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 202896 |  | 202896 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.247 | 1.0 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 753872 |  | 753872 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.40% | 45.40% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | Yes | Yes | 12 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 37 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | xxx | xxx | 0 | 86 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | Work Visa  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 550343 |  | 550343 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 31.00% | 31.00% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 78.38 | N/A | xxx | xxx | xxx | xxx | 1 |
| 565767 |  | 565767 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.565 | 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 W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 77.87 | N/A | xxx | xxx | xxx | xxx | 1 |
| 286303 |  | 286303 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.76% | 40.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 576143 |  | 576143 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 19.28% | 19.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 24 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 55.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 516611 |  | 516611 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.035 | 1.06 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 736938 |  | 736938 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 18.17% | 18.17% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 85.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 289863 |  | 289863 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 13.46% | 13.46% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0<br> NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | N/A | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 36 | Yes | 36 | NA | 0 | 0 | N/A<br> NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - ["2025"] \|\| Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - ["2025"] | Borrower - ["2025"] \|\| Co Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 59.98 | N/A | xxx | xxx | xxx | xxx | 1 |
| 936719 |  | 936719 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 18.57% | 18.57% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0<br> NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | xxx | xxx | xxx | No | 62.96 | N/A | xxx | xxx | xxx | xxx | 1 |
| 322060 |  | 322060 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 27.94% | 27.94% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | No | Missing | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.85 | N/A | xxx | xxx | xxx | xxx | 1 |
| 203100 |  | 203100 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.48% | 39.48% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0<br> NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A<br> NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] \|\| Co Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 949475 |  | 949475 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 25.12% | 25.12% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 80.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 48.31 | N/A | xxx | xxx | xxx | xxx | 1 |
| 263338 |  | 263338 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 25.14% | 25.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 501939 |  | 501939 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 4.77% | 4.77% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 136 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 72.55 | N/A | xxx | xxx | xxx | xxx | 1 |
| 597435 |  | 597435 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.809 | 0.8 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | xxx | No | 57.43 | N/A | xxx | xxx | xxx | xxx | 1 |
| 647075 |  | 647075 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.53% | 47.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | xxx | xxx | xxx | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 650995 |  | 650995 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.481 | 1.48 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 41.57 | N/A | xxx | xxx | xxx | xxx | 1 |
| 409852 |  | 409852 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.179 | 1.17 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 47.37 | N/A | xxx | xxx | xxx | xxx | 1 |
| 467383 |  | 467383 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.97% | 41.97% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month<br> NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 124 | 124 | Work Number<br> NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025","2026"] \|\| Co Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025","2026"] \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.31 | N/A | xxx | xxx | xxx | xxx | 1 |
| 120706 |  | 120706 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 19.23% | 19.23% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | Third-Party Prepared (Unaudited) | Tax Preparer | 12 | Yes | 90 | Yes | 90 | NA | 0 | 0 | N/A<br> NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] | Borrower - ["2025"] \|\| Co Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 54.77 | N/A | xxx | xxx | xxx | xxx | 1 |
| 338700 |  | 338700 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.16% | 41.16% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A<br> NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] \|\| Co Borrower - N/A | Borrower - ["2025"] \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 42.25 | Yes | xxx | xxx | xxx | xxx | 1 |
| 220836 |  | 220836 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.15% | 41.15% | No | No | 1 |  | 5 |  | 3 |  | Retired | Not Employed | Employed |  | 20.59 |  | 2YR Full Doc | 2 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0<br> NA | No | No | 0 | No | No | N/A | 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<br> NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Retirement, SSI and Disability - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] \|\| Co Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower 2 - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] \|\| Co Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower 2 - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 28.34 | N/A | xxx | xxx | xxx | xxx | 1 |
| 380980 |  | 380980 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 16.18% | 16.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> 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 - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 872169 |  | 872169 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.171 | 1.17 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | xxx | No | 60.0 | N/A | xxx | xxx | xxx | xxx | 2 |
| 819511 |  | 819511 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 33.06% | 33.06% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 49.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 143 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.98 | N/A | xxx | xxx | xxx | xxx | 1 |
| 298017 |  | 298017 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.177 | 1.17 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | Work Visa  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 402099 |  | 402099 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 34.91% | 34.91% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 548530 |  | 548530 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 0.774 | 0.77 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 719491 |  | 719491 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.05% | 45.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 53.81 | N/A | xxx | xxx | xxx | xxx | 1 |
| 693183 |  | 693183 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 18.82% | 18.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2026"] | Borrower - ["2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | xxx | xxx | 0 | 109 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 681184 |  | 681184 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.155 | 1.15 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 462834 |  | 462834 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 15.67% | 15.67% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | Yes | Yes | 0 | 24 | 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"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 55.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 601471 |  | 601471 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.82% | 37.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | No | Missing | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2026"] | Borrower - ["2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Yes | N/A | xxx | xxx | xxx | xxx | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 406002 |  | 406002 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.72% | 33.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | No | Missing | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 54.92 | N/A | xxx | xxx | xxx | xxx | 1 |
| 727265 |  | 727265 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.336 | 1.33 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | xxx | xxx | xxx | No | 48.28 | N/A | xxx | xxx | xxx | xxx | 2 |
| 823582 |  | 823582 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.95% | 46.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 96 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen |  | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 48.19 | N/A | xxx | xxx | xxx | xxx | 1 |
| 303185 |  | 303185 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.211 | 1.15 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | xxx | xxx | xxx | No | 80.0 | N/A | xxx | xxx | xxx | xxx | 3 |
| 649337 |  | 649337 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.60% | 22.60% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | Tax Preparer |  |  |  | Yes | 83 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025","2026"] | Borrower - ["2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 50.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 421603 |  | 421603 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 33.86% | 33.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75.0 | N/A | xxx | xxx | xxx | xxx | 1 |
| 472005 |  | 472005 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.732 | 1.73 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | xxx | xxx | xxx | No | 35.29 | N/A | xxx | xxx | xxx | xxx | 4 |
| 216816 |  | 216816 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.53% | 30.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0<br> NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | Work Visa  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70.0 | N/A | xxx | xxx | xxx | xxx | 2 |

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## Exhibit 99.37

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| 520195 |  | 520195 | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 99.88 | 1 | 1.001 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx |  | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 1.4 | 1 | 1 | Other | xxx | No |  |  | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse |  |
| 480897 |  | 480897 | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 91.64 | 1.091 | 1.091 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 15.9 | 1 | 1 | N/A | xxx | No |  |  | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse |  |
| 939828 |  | 939828 | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx |  | N/A |  | N/A |  |  | xxx | Actual In Place Rent | No | 53.2 | 1.87 | 1.88 | xxx | xxx | xxx | 24 | xxx | xxx | 24 | xxx | xxx | 24 | xxx | xxx | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | xxx |  |  |  |  |  |  |  | No | 6.9 | 1 | 1 | N/A | xxx | No |  |  | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse |  |
| 731652 |  | 731652 | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Appraisal - 1025 | No | 86.78 | 1.48 | 1.152 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | xxx |  |  |  |  |  |  | No | No | 0.2 | 1 | 1 | N/A | xxx | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 945015 |  | 945015 | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Appraisal - 1025 | No | 102.29 | 0.91 | 0.978 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  | No | No | 0.0 | 3 | 1 | N/A | xxx | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 794998 |  | 794998 | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 90.19 | 1.1 | 1.109 | xxx | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 1.8 | 1 | 1 | N/A | xxx | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 575079 |  | 575079 | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  | No | 0.9 | 1 | 1 | N/A | xxx | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 202896 |  | 202896 | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 80.2 | 1.0 | 1.247 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | No | 0.0 | 2 | 1 | N/A | xxx | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 565767 |  | 565767 | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 63.9 | 1 | 1.565 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx |  |  |  |  |  |  | No | No | 4.2 | 1 | 1 | N/A | xxx | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  | xxx | xxx | US Citizen | United States |  |  |  |  | Yes | 2 | Full Recourse | xxx |
| 516611 |  | 516611 | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 96.6 | 1.06 | 1.035 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  | No | No | 0.0 | 1 | 1 | N/A | xxx | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |  |  |
| 936719 |  | 936719 | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | xxx | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  |
| 597435 |  | 597435 | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Actual In Place Rent | No | 123.68 | 0.8 | 0.809 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 7.4 | 1 | 1 | N/A | xxx | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 650995 |  | 650995 | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx |  | N/A |  | N/A |  |  | xxx | Actual In Place Rent | No | 67.53 | 1.48 | 1.481 | xxx | xxx | xxx | 18 |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  | No | 1.8 | 1 | 1 | N/A | xxx | Yes | xxx | Corporation | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 409852 |  | 409852 | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 84.83 | 1.17 | 1.179 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0.0 | 1 | 1 | N/A | xxx | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 872169 |  | 872169 | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 85.39 | 1.17 | 1.171 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 2.9 | 1 | 1 | N/A | xxx | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |  |  |
| 298017 |  | 298017 | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 84.93 | 1.17 | 1.177 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 2.1 | 1 | 1 | N/A | xxx | Yes | xxx | Corporation | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse |  |
| 548530 |  | 548530 | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 129.25 | 0.77 | 0.774 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | xxx |  |  |  |  |  |  | No | No | 2.0 | 1 | 1 | N/A | xxx | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 681184 |  | 681184 | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 86.6 | 1.15 | 1.155 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | xxx |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | xxx | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 727265 |  | 727265 | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Appraisal - 1025 | No | 74.83 | 1.33 | 1.336 | xxx | xxx | xxx | 12 | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 3.5 | 1 | 1 | N/A | xxx | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 303185 |  | 303185 | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Appraisal - 1025 | No | 82.56 | 1.15 | 1.211 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx |  | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0.0 | 1 | 1 | N/A | xxx | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 472005 |  | 472005 | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Actual In Place Rent | No | 57.75 | 1.73 | 1.732 | xxx | xxx | xxx | 12 | xxx | xxx | 12 | xxx | xxx | 12 | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | xxx | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |

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## Exhibit 99.38

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 624634 |  | 624634<br> D<br> B<br> A | Closed | xxx | 2025-10-29 15:31 | 2025-11-18 09:11 | Resolved | 1 - Information<br> B<br> A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-xxx Initial Disclosures received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-11/18/2025<br> Counter-The documentation provided, dated xxx, exceeds the required 3-business-day timeframe for an application date of xxx. - Due Diligence Vendor-11/17/2025<br> Ready for Review-Document Uploaded. - Seller-11/14/2025<br> Open-Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing - Due Diligence Vendor-10/30/2025<br> Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. - Seller-11/14/2025<br>| Resolved-8/21/2025 Initial Disclosures received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-11/18/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.63% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | INITIAL DISCLOSURE PACKAGE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 624634 |  | 624634<br> D<br> B<br> A | Closed | xxx | 2025-10-29 15:33 | 2025-11-18 09:11 | Resolved | 1 - Information<br> D<br> A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-xxx Initial Disclosures received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-11/18/2025<br> Counter-The documentation provided, dated xxx, exceeds the required 3-business-day timeframe for an application date of xxx. - Due Diligence Vendor-11/17/2025<br> Ready for Review-Document Uploaded. - Seller-11/14/2025<br> Open-\*\*\*\*\*\*Documentation provided does not contain the Initial LE . ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. - Seller-11/14/2025<br>| Resolved-8/21/2025 Initial Disclosures received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-11/18/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.63% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | INITIAL DISCLOSURE PACKAGE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 624634 |  | 624634<br> D<br> B<br> A | Closed | xxx | 2025-10-29 15:34 | 2025-11-18 09:11 | Resolved | 1 - Information<br> B<br> A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-xxx Initial Disclosures received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-11/18/2025<br> Counter-The documentation provided, dated xxx, exceeds the required 3-business-day timeframe for an application date of xxx. - Due Diligence Vendor-11/17/2025<br> Ready for Review-Document Uploaded. - Seller-11/14/2025<br> Open-Service Provider List is Missing - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. - Seller-11/14/2025<br>| Resolved-8/21/2025 Initial Disclosures received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-11/18/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.63% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | INITIAL DISCLOSURE PACKAGE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 624634 |  | 624634<br> D<br> B<br> A | Closed | xxx | 2025-10-29 15:31 | 2025-11-18 09:02 | Resolved | 1 - Information<br> B<br> A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-11/18/2025<br> Ready for Review-Document Uploaded. Please see attached initial disclosures issued on xxx that were in Compliance with 3 day requirement. The borrower did not sign.<br>We then reissued a new set of initial disclosures on xxx for changes that were requested by the borrower which were the ones that the borrower signed and were uploaded to the file.<br>- Seller-11/17/2025<br> Counter-The documentation provided, dated xxx, exceeds the required 3-business-day timeframe for an application date of xxx. - Due Diligence Vendor-11/17/2025<br> Ready for Review-Document Uploaded. - Seller-11/14/2025<br> Open-Homeownership Counseling Disclosure Is Missing Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-10/30/2025<br> Open-Homeownership Counseling Disclosure Is Missing \*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. Please see attached initial disclosures issued on xxx that were in Compliance with 3 day requirement. The borrower did not sign.<br>We then reissued a new set of initial disclosures on xxx for changes that were requested by the borrower which were the ones that the borrower signed and were uploaded to the file.<br>- Seller-11/17/2025<br> Ready for Review-Document Uploaded. - Seller-11/14/2025<br>| Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-11/18/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.63% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 624634 |  | 624634<br> D<br> B<br> A | Closed | xxx | 2025-10-29 13:23 | 2025-10-29 14:36 | Waived | 2 - Non-Material<br> B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 1.96 are less than Guideline Required Reserves of 6 EXCEPTION TO ALLOW FOR 2 MONTHS OF RESERVES WHILE GUIDELINE REQUIRES RESERVES FOR 6 MONTHS - Due Diligence Vendor-10/29/2025 |  | Waived-Audited Reserves of 1.96 are less than Guideline Required Reserves of 6 EXCEPTION TO ALLOW FOR 2 MONTHS OF RESERVES WHILE GUIDELINE REQUIRES RESERVES FOR 6 MONTHS - Due Diligence Vendor-10/29/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.63% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | DTI of 29.587% while max allowed is 43%<br> FICO of xxx while min required is 660<br> Primary house mortgage rating 0X30 in past 60 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 624634 |  | 624634<br> D<br> B<br> A | Closed | xxx | 2025-10-29 14:35 | 2025-10-29 14:35 | Waived | 2 - Non-Material<br> B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Asset Qualification Does Not Meet Guideline Requirements EXCEPTION TO USE GIFT FUNDS TO MEET RESERVES REQUIREMENT - Due Diligence Vendor-10/29/2025 |  | Waived-Asset Qualification Does Not Meet Guideline Requirements EXCEPTION TO USE GIFT FUNDS TO MEET RESERVES REQUIREMENT - Due Diligence Vendor-10/29/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.63% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | DTI of 29.587% while max allowed is 43%<br> FICO of xxx while min required is 660<br> Primary house mortgage rating 0X30 in past 60 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 624634 |  | 624634<br> D<br> B<br> A | Closed | xxx | 2025-10-29 14:33 | 2025-10-29 14:33 | Waived | 2 - Non-Material<br> B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of xxx% exceeds Guideline CLTV of xxx% . EXCEPTION TO USE CLTV UPTO xxx% WHILE MAX ALLOWED IS xxx%<br> 2. EXCEPTION FOR SUBJECT PROPERTY LOCATED IN A DECLINING MARKET AREA AND NOT PROVIDING LTV REDUCTION OF xxx% AS STIPULATED IN GUIDE - Due Diligence Vendor-10/29/2025 |  | Waived-Audited CLTV of 79.2% exceeds Guideline CLTV of 75% 1. EXCEPTION TO USE CLTV UPTO 80.00% WHILE MAX ALLOWED IS 75%<br> 2. EXCEPTION FOR SUBJECT PROPERTY LOCATED IN A DECLINING MARKET AREA AND NOT PROVIDING LTV REDUCTION OF 5-25% AS STIPULATED IN GUIDE - Due Diligence Vendor-10/29/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.63% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | DTI of 29.587% while max allowed is 43%<br> FICO of xxx while min required is 660<br> Primary house mortgage rating 0X30 in past 60 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 624634 |  | 624634<br> D<br> B<br> A | Closed | xxx | 2025-10-29 14:33 | 2025-10-29 14:33 | Waived | 2 - Non-Material<br> B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HCLTV of xxx% exceeds Guideline HCLTV of xxx%. EXCEPTION TO USE CLTV UPTO xxx% WHILE MAX ALLOWED IS xxx%<br> 2. EXCEPTION FOR SUBJECT PROPERTY LOCATED IN A DECLINING MARKET AREA AND NOT PROVIDING LTV REDUCTION OF xxx% AS STIPULATED IN GUIDE - Due Diligence Vendor-10/29/2025 |  | Waived-Audited HCLTV of 79.2% exceeds Guideline HCLTV of 75% 1. EXCEPTION TO USE CLTV UPTO 80.00% WHILE MAX ALLOWED IS 75%<br> 2. EXCEPTION FOR SUBJECT PROPERTY LOCATED IN A DECLINING MARKET AREA AND NOT PROVIDING LTV REDUCTION OF 5-25% AS STIPULATED IN GUIDE - Due Diligence Vendor-10/29/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.63% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | DTI of 29.587% while max allowed is 43%<br> FICO of xxx while min required is 660<br> Primary house mortgage rating 0X30 in past 60 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 271787 |  | 271787<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 270264 |  | 270264<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 |  |  |  |
| 344832 |  | 344832<br> C<br> A | Closed | xxx | 2026-01-23 13:33 | 2026-01-29 16:05 | Resolved | 1 - Information<br> C<br> A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-01/29/2026<br> Ready for Review-See xxx upload - Seller-01/29/2026<br> Open-\*\*\* Recording charges of xxx were disclosed to the borrower in the Initial Loan Estimate. Final charge to borrower is xxx. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/27/2026<br> Open- - Due Diligence Vendor-01/27/2026<br> Open- - Due Diligence Vendor-01/26/2026<br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/23/2026<br> Open- - Due Diligence Vendor-01/23/2026 | Ready for Review-See 1/29/26 upload - Seller-01/29/2026<br>| Resolved-\*\*Received PCCD - Due Diligence Vendor-01/29/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.14 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.24 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 344832 |  | 344832<br> C<br> A | Closed | xxx | 2026-01-23 13:33 | 2026-01-29 16:05 | Resolved | 1 - Information<br> C<br> A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-01/29/2026<br> Ready for Review-See xxx upload - Buyer-01/29/2026<br> Open-\*\*\* Recording charges of xxx were disclosed to the borrower in the Initial Loan Estimate. Final charge to borrower is xxx. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/27/2026<br> Open- - Due Diligence Vendor-01/27/2026<br> Open- - Due Diligence Vendor-01/26/2026<br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/23/2026<br> Open- - Due Diligence Vendor-01/23/2026 |  | Resolved-\*\*Received PCCD - Due Diligence Vendor-01/29/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.14 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.24 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 344832 |  | 344832<br> C<br> A | Closed | xxx | 2026-01-23 13:33 | 2026-01-29 16:05 | Resolved | 1 - Information<br> C<br> A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-01/29/2026<br> Ready for Review-Document Uploaded. - Seller-01/29/2026<br> Open-\*\*\* Recording charges of xxx were disclosed to the borrower in the Initial Loan Estimate. Final charge to borrower is xxx. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/27/2026<br> Open- - Due Diligence Vendor-01/27/2026<br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (xxx) exceed the comparable charges (xxx) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Initial LE dated xxx reflects Recording Fee xxx however, Final CD dated xxx reflects the Recording Fee xxxThe fee (xxx) has been increased for Recording Fee which exceeds the 10% tolerance. Required valid COC or cure amount of xxx<br> - Due Diligence Vendor-01/26/2026<br> Open- - Due Diligence Vendor-01/26/2026<br> Open- - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. - Seller-01/29/2026<br>| Resolved-\*\*Received PCCD - Due Diligence Vendor-01/29/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.14 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.24 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 344832 |  | 344832<br> C<br> A | Closed | xxx | 2026-01-27 07:33 | 2026-01-29 16:03 | Resolved | 1 - Information<br> B<br> A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-\*\*Received LOE from Lender - Due Diligence Vendor-01/29/2026<br> Ready for Review-See xxx upload - Seller-01/29/2026<br> Open-Required Affiliated Business Disclosure Missing Affiliated Business Disclosure Missing - Due Diligence Vendor-01/27/2026 | Ready for Review-See 1/29/26 upload - Seller-01/29/2026<br>| Resolved-\*\*Received LOE from Lender - Due Diligence Vendor-01/29/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.14 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.24 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 520195 |  | 520195<br> D<br> A | Closed | xxx | 2026-01-17 03:27 | 2026-01-19 21:29 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-01/20/2026<br>Ready for Review-Document Uploaded. - Seller-01/19/2026<br>Open-Title Document is missing Missing title commitment - Due Diligence Vendor-01/17/2026 | Ready for Review-Document Uploaded. - Seller-01/19/2026<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-01/20/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.09 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 480897 |  | 480897<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 657894 |  | 657894<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 141771 |  | 141771<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 598156 |  | 598156<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 442510 |  | 442510<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 939828 |  | 939828<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 731652 |  | 731652<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 945015 |  | 945015<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 803400 |  | 803400<br> D<br> A | Closed | xxx | 2026-02-02 11:23 | 2026-02-03 10:48 | Resolved | 1 - Information<br> D<br> A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved-Escrow Waiver is Present or Not Applicable \*\*Received Escrow Waiver - Due Diligence Vendor-02/03/2026<br> Ready for Review-Document Uploaded. - Seller-02/02/2026<br> Open-\*\*\*\*\*\*\*\* Final Closing Disclosure Page xxx escrow indicator failed to indicate ""borrower declined"" or ""Lender does not offer". - Due Diligence Vendor-02/02/2026 | Ready for Review-Document Uploaded. - Seller-02/02/2026<br>| Resolved-Escrow Waiver is Present or Not Applicable \*\*Received Escrow Waiver - Due Diligence Vendor-02/03/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 39.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 68.97% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | ew.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 794998 |  | 794998<br> D<br> A | Closed | xxx | 2026-01-30 16:17 | 2026-02-12 14:05 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Correct Entity document provided. - Due Diligence Vendor-02/12/2026<br> Ready for Review-Document Uploaded. - Seller-02/11/2026<br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing xxx for xxx (current one in file is for xxx (missing xxx), xxx, Articles of formation. Currently only EIN in file. - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. - Seller-02/11/2026<br>| Resolved-Correct Entity document provided. - Due Diligence Vendor-02/12/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.27% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.83 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.46 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 575079 |  | 575079<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 202896 |  | 202896<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 753872 |  | 753872<br> D<br> A | Closed | xxx | 2026-02-10 14:03 | 2026-02-22 11:00 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | US Driver's License or other US or foreign government-issued photo ID Missing | Resolved-Work Visa provided - Due Diligence Vendor-02/22/2026<br> Ready for Review-Document Uploaded. - Seller-02/20/2026<br> Open-The final 1003 indicates the borrower is classified as a Non-Permanent Resident Alien. At this time, the file includes a xxx Driver's License; however, additional supporting documentation to verify residency status is still needed to complete the review. - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/20/2026<br>| Resolved-Work Visa provided - Due Diligence Vendor-02/22/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 25.58 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | Employment Auth Card.pdf<br>Employment Auth Card (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 550343 |  | 550343<br> C<br> A | Closed | xxx | 2026-02-10 12:51 | 2026-02-11 13:39 | Resolved | 1 - Information<br> C<br> A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Rental agreement provided - Section 5 from Landlord states: in lieu of rent, tenant shall complete flooring in home, paint and reseed the lawn along with maintaining the home. - Due Diligence Vendor-02/11/2026<br> Ready for Review-Document Uploaded. Section 5 of the Lease also shows that in lieu of rent, the tenants are to maintain house upkeep<br>&nbsp;&nbsp;&nbsp;&nbsp;- Seller-02/10/2026<br> Open-A "Rent-Free" letter from the owner or leaseholder of borrower's prior residence at xxx verifying that the borrower was living rent-free as well as the relationship between the borrower and the prior property landlord.<br> - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. Section 5 of the Lease also shows that in lieu of rent, the tenants are to maintain house upkeep<br>&nbsp;&nbsp;&nbsp;&nbsp;- Seller-02/10/2026<br>| Resolved-Rental agreement provided - Section 5 from Landlord states: in lieu of rent, tenant shall complete flooring in home, paint and reseed the lawn along with maintaining the home. - Due Diligence Vendor-02/11/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.89 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | LEASE_RENTAL AGREEMENT (4).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 565767 |  | 565767<br> D<br> A | Closed | xxx | 2026-02-10 14:58 | 2026-02-13 06:53 | Resolved | 1 - Information<br> D<br> A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved- - Due Diligence Vendor-02/13/2026<br> Ready for Review-Document Uploaded. DSCR - non TRID. Signed xxx - Seller-02/11/2026<br> Open-TRID: Missing Final Closing Disclosure No signed final Hud/Alta/or SClosing disclosure - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. DSCR - non TRID. Signed CS - Seller-02/11/2026<br>|  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 81.64 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | SIGNED CLOSING PACKAGE - signed CS.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 286303 |  | 286303<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 576143 |  | 576143<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 516611 |  | 516611<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 736938 |  | 736938<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 289863 |  | 289863<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 936719 |  | 936719<br> D<br> A | Closed | xxx | 2026-02-13 10:02 | 2026-02-17 12:37 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/17/2026<br> Ready for Review-Document Uploaded. - Seller-02/16/2026<br> Open-Missing Hazard Insurance Policy Provide Hazard Insurance documents for subject with xxx dated no later than the Note date xxx Annual premium along with proof of payment - Due Diligence Vendor-02/14/2026 | Ready for Review-Document Uploaded. - Seller-02/16/2026<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/17/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 62.96% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 18.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 322.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |  | EXISTING HAZARD INSURANCE (53).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 322060 |  | 322060<br> D<br> A | Closed | xxx | 2026-02-12 15:43 | 2026-02-13 13:34 | Resolved | 1 - Information<br> C<br> A | Credit | Assets | Asset General | Resolved-Updated 1003 and 1008 provided removing the Gift funds of xxx - Due Diligence Vendor-02/13/2026<br> Ready for Review-Document Uploaded. - Seller-02/12/2026<br> Open-Total gifts are xxx - 1 for xxx and 1 for xxx. Only one gift letter is in the file for xxx. Please provide the gift letter for xxx - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. - Seller-02/12/2026<br>| Resolved-Updated 1003 and 1008 provided removing the Gift funds of xxx - Due Diligence Vendor-02/13/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 79.85% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | _1003_19_pdf (41).pdf<br>transmittal_19_pdf (80).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 203100 |  | 203100<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 949475 |  | 949475<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 263338 |  | 263338<br> D<br> A | Closed | xxx | 2026-02-12 09:32 | 2026-03-03 17:50 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved- - Due Diligence Vendor-03/03/2026<br>Ready for Review-Document Uploaded. - Seller-03/02/2026<br>Open-Borrower 1 Citizenship Documentation Is Missing Lender requires copy of form I-551 in various forms (Green Card) Documentation was not provided in the file. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. - Seller-03/02/2026<br>|  | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | RESIDENT ALIEN CARD (6).pdf<br>RESIDENT ALIEN CARD (5).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 501939 |  | 501939<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 597435 |  | 597435<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 647075 |  | 647075<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 650995 |  | 650995<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 409852 |  | 409852<br> D<br> A | Closed | xxx | 2026-02-19 18:22 | 2026-02-22 12:02 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Valid PRA card provided - Due Diligence Vendor-02/22/2026<br>Ready for Review-Document Uploaded. - Seller-02/20/2026<br>Open-Borrower 1 Citizenship Documentation Is Missing Missing Green Card for country of origin - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. - Seller-02/20/2026<br>| Resolved-Valid PRA card provided - Due Diligence Vendor-02/22/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.37% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.83 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | RESIDENT ALIEN CARD (3).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 467383 |  | 467383<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 120706 |  | 120706<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 |  |  |  |
| 338700 |  | 338700<br> C<br> A | Closed | xxx | 2026-02-24 13:47 | 2026-02-26 06:59 | Resolved | 1 - Information<br> C<br> A | Compliance | Points & Fees | xxx AB 489/344 Covered Loan Points and Fees Threshold Test | Resolved-(2) The total points and fees payable by the consumer at or before closing for a mortgage or deed of trust will exceed 6 percent of the total loan amount. (c) "Points and fees" shall include the following: 1) All items required to be disclosed as finance charges under Sections 226.4(a) and 226.4(b) of Title 12 of the Code of Federal Regulations, including the Official Staff Commentary, as amended from time to time, except Interest. (2) All compensation and fees paid to mortgage brokers in connection with the loan transaction. \*\*\*\* Test includes fees paid to Broker by Lender (not payable by consumer). - Due Diligence Vendor-02/26/2026<br> Resolved- - Due Diligence Vendor-02/26/2026<br> Open- - Due Diligence Vendor-02/26/2026<br> Open- - Due Diligence Vendor-02/26/2026<br> Open- - Due Diligence Vendor-02/24/2026<br> Open- - Due Diligence Vendor-02/24/2026<br> Open- - Due Diligence Vendor-02/24/2026<br> Open-This loan failed the points and fees threshold test.<br> (xxx AB 344 §1 [xxx FC §4970(b)(1)(B)])The total points and fees, as defined in xxx Financial Code § 4970, exceed 6% of the total loan amount, as defined in HOEPA (Section 32). - Due Diligence Vendor-02/24/2026<br> Open- - Due Diligence Vendor-02/24/2026 |  | Resolved-(2) The total points and fees payable by the consumer at or before closing for a mortgage or deed of trust will exceed 6 percent of the total loan amount. (c) "Points and fees" shall include the following: 1) All items required to be disclosed as finance charges under Sections 226.4(a) and 226.4(b) of Title 12 of the Code of Federal Regulations, including the Official Staff Commentary, as amended from time to time, except Interest. (2) All compensation and fees paid to mortgage brokers in connection with the loan transaction. \*\*\*\* Test includes fees paid to Broker by Lender (not payable by consumer). - Due Diligence Vendor-02/26/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 42.25% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 220836 |  | 220836<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 380980 |  | 380980<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 872169 |  | 872169<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 819511 |  | 819511<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 298017 |  | 298017<br> D<br> A | Closed | xxx | 2026-02-26 11:06 | 2026-03-02 07:48 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of xxx% is less than or equal to Guideline LTV of xxx% - Due Diligence Vendor-03/02/2026<br> Ready for Review-Document Uploaded. the subject is not vacant. It was vacant for the initial appraisal but we have a 1004D (attached and in file) showing occupied.<br>&nbsp;&nbsp;&nbsp;&nbsp;- Seller-02/26/2026<br> Open-Audited LTV of xxx% exceeds Guideline LTV of xxx% Missing lender exception for cash out refi on unleased property. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. the subject is not vacant. It was vacant for the initial appraisal but we have a 1004D (attached and in file) showing occupied.<br>&nbsp;&nbsp;&nbsp;&nbsp;- Seller-02/26/2026<br>| Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-03/02/2026<br>|  |  | final.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 402099 |  | 402099<br> D<br> A | Closed | xxx | 2026-02-26 13:41 | 2026-03-02 10:43 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/02/2026<br> Ready for Review-Document Uploaded. xxx end xxx - Seller-02/26/2026<br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. udn end 2/23 - Seller-02/26/2026<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/02/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.35 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | REFRESH CREDIT REPORT (9).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 548530 |  | 548530<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 719491 |  | 719491<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 693183 |  | 693183<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 681184 |  | 681184<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 462834 |  | 462834<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 601471 |  | 601471<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 406002 |  | 406002<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 727265 |  | 727265<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 823582 |  | 823582<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 303185 |  | 303185<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 649337 |  | 649337<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 421603 |  | 421603<br> C<br> A | Closed | xxx | 2026-03-05 18:00 | 2026-03-08 09:39 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 6.65 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-03/08/2026<br>Ready for Review-Document Uploaded. Please provide calculations. We have more than 3 months - Seller-03/06/2026<br>Open-Audited Reserves of are less than Guideline Required Reserves of 3 - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. Please provide calculations. We have more than 3 months - Seller-03/06/2026<br>| Resolved-Audited Reserves of 6.65 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-03/08/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |  | BANK STATEMENTS (46).pdf<br>FUNDS AT CLOSING (25).pdf<br>GIFT LETTER WITH DONOR'S ABILITY (30).pdf<br>FUNDS AT CLOSING (27).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 421603 |  | 421603<br> C<br> A | Closed | xxx | 2026-03-05 17:59 | 2026-03-08 09:38 | Resolved | 1 - Information<br> C<br> A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-03/08/2026<br> Ready for Review-Document Uploaded. - Seller-03/06/2026<br> Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. The verified funds are short due to receipt of gift funds not property verified. Gift letter on page xxx in file xxx stating sent funds xxx and attached receipt of transfer and given to borrower not sent to closing. However, receipt of transfer of xxx is missing from loan file and final CD does not show gift funds sent to escrow. The document pg xxx shows coming out donor acct but not receipt from borrower. Page xxx shows xxx sent to xxx . The final CD does not gift funds were wired to settlement as well. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. - Seller-03/06/2026<br>| Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-03/08/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |  | FUNDS AT CLOSING (23).pdf<br>FUNDS AT CLOSING (24).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 421603 |  | 421603<br> C<br> A | Closed | xxx | 2026-03-05 13:39 | 2026-03-08 09:31 | Resolved | 1 - Information<br> C<br> A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/08/2026<br> Ready for Review-Document Uploaded. xxx ends xxx - Seller-03/06/2026<br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. udn ends 2-24 - Seller-03/06/2026<br>| Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/08/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |  | LQI CREDIT REPORT (39).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 472005 |  | 472005<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 216816 |  | 216816<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |

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## Exhibit 99.39

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| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 624634 |  | 624634 | xxx<br> B<br> D<br> A |
| 271787 |  | 271787 | xxx<br> A |
| 270264 |  | 270264 | xxx<br> A |
| 344832 |  | 344832 | xxx<br> A<br> C |
| 520195 |  | 520195 | xxx<br> D<br> A |
| 480897 |  | 480897 | xxx<br> A |
| 657894 |  | 657894 | xxx<br> A |
| 141771 |  | 141771 | xxx<br> A |
| 598156 |  | 598156 | xxx<br> A |
| 442510 |  | 442510 | xxx<br> A |
| 939828 |  | 939828 | xxx<br> A |
| 731652 |  | 731652 | xxx<br> A |
| 945015 |  | 945015 | xxx<br> A |
| 803400 |  | 803400 | xxx<br> A<br> D |
| 794998 |  | 794998 | xxx<br> D<br> A |
| 575079 |  | 575079 | xxx<br> A |
| 202896 |  | 202896 | xxx<br> A |
| 753872 |  | 753872 | xxx<br> D<br> A |
| 550343 |  | 550343 | xxx<br> C<br> A |
| 565767 |  | 565767 | xxx<br> A<br> D |
| 286303 |  | 286303 | xxx<br> A |
| 576143 |  | 576143 | xxx<br> A |
| 516611 |  | 516611 | xxx<br> A |
| 736938 |  | 736938 | xxx<br> A |
| 289863 |  | 289863 | xxx<br> A |
| 936719 |  | 936719 | xxx<br> D<br> A |
| 322060 |  | 322060 | xxx<br> D<br> A |
| 203100 |  | 203100 | xxx<br> A |
| 949475 |  | 949475 | xxx<br> A |
| 263338 |  | 263338 | xxx<br> D<br> A |
| 501939 |  | 501939 | xxx<br> A |
| 597435 |  | 597435 | xxx<br> A |
| 647075 |  | 647075 | xxx<br> A |
| 650995 |  | 650995 | xxx<br> A |
| 409852 |  | 409852 | xxx<br> D<br> A |
| 467383 |  | 467383 | xxx<br> A |
| 120706 |  | 120706 | xxx<br> A |
| 338700 |  | 338700 | xxx<br> A<br> C |
| 220836 |  | 220836 | xxx<br> A |
| 380980 |  | 380980 | xxx<br> A |
| 872169 |  | 872169 | xxx<br> A |
| 819511 |  | 819511 | xxx<br> A |
| 298017 |  | 298017 | xxx<br> D<br> A |
| 402099 |  | 402099 | xxx<br> D<br> A |
| 548530 |  | 548530 | xxx<br> D<br> A |
| 719491 |  | 719491 | xxx<br> A |
| 693183 |  | 693183 | xxx<br> A |
| 681184 |  | 681184 | xxx<br> A |
| 462834 |  | 462834 | xxx<br> C<br> A |
| 601471 |  | 601471 | xxx<br> A |
| 406002 |  | 406002 | xxx<br> A |
| 727265 |  | 727265 | xxx<br> A |
| 823582 |  | 823582 | xxx<br> A |
| 303185 |  | 303185 | xxx<br> A |
| 649337 |  | 649337 | xxx<br> A |
| 421603 |  | 421603 | xxx<br> C<br> A |
| 472005 |  | 472005 | xxx<br> A |
| 216816 |  | 216816 | xxx<br> A |

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## Exhibit 99.40

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| **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 Appraisal Company** | **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** |
| 624634 |  | 624634 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | As-Is | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 271787 |  | 271787 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Reasonable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 270264 |  | 270264 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 344832 |  | 344832 | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx<br> Eligible | 1 | xxx |
| 520195 |  | 520195 | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 480897 |  | 480897 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx<br> Eligible | 1 | xxx |
| 657894 |  | 657894 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 141771 |  | 141771 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 598156 |  | 598156 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 442510 |  | 442510 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 939828 |  | 939828 | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | LOW RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 731652 |  | 731652 | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 945015 |  | 945015 | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | low risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 803400 |  | 803400 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx<br> Eligible | 2.5 | xxx |
| 794998 |  | 794998 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | xxx | xxx | -.0226 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 575079 |  | 575079 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 202896 |  | 202896 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 753872 |  | 753872 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 550343 |  | 550343 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 565767 |  | 565767 | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx<br> Eligible |  |  |
| 286303 |  | 286303 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 576143 |  | 576143 | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 516611 |  | 516611 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 736938 |  | 736938 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx<br> Eligible | 1 | xxx |
| 289863 |  | 289863 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | lowrisk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 936719 |  | 936719 | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 322060 |  | 322060 | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 203100 |  | 203100 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 949475 |  | 949475 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 263338 |  | 263338 | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 501939 |  | 501939 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 597435 |  | 597435 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 647075 |  | 647075 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | xxx | xxx | .0017 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 650995 |  | 650995 | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx<br> Eligible | 1 | xxx |
| 409852 |  | 409852 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 467383 |  | 467383 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 120706 |  | 120706 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx<br> Eligible | 1 | xxx |
| 338700 |  | 338700 | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx<br> Eligible |  |  |
| 220836 |  | 220836 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 380980 |  | 380980 | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 872169 |  | 872169 | xxx | xxx | 0 | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 819511 |  | 819511 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 298017 |  | 298017 | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx<br> Eligible | 1 | xxx |
| 402099 |  | 402099 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 548530 |  | 548530 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 719491 |  | 719491 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
| 693183 |  | 693183 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0404 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx<br> Eligible |  |  |
| 681184 |  | 681184 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 462834 |  | 462834 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 601471 |  | 601471 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 406002 |  | 406002 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx<br> Eligible | 1 | xxx |
| 727265 |  | 727265 | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | &nbsp;&nbsp;&nbsp;&nbsp;Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 823582 |  | 823582 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0693 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 303185 |  | 303185 | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | LOW RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 649337 |  | 649337 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx<br> Eligible | 1 | xxx |
| 421603 |  | 421603 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 472005 |  | 472005 | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 216816 |  | 216816 | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.41

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 624634 | 624634 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 271787 | 271787 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 270264 | 270264 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 344832 | 344832 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 520195 | 520195 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 480897 | 480897 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 657894 | 657894 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed | Employed | No | No | No |  |
| 141771 | 141771 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 598156 | 598156 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 442510 | 442510 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 939828 | 939828 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 731652 | 731652 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 945015 | 945015 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 803400 | 803400 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 794998 | 794998 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 575079 | 575079 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 202896 | 202896 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 753872 | 753872 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 550343 | 550343 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 565767 | 565767 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 286303 | 286303 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 576143 | 576143 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 516611 | 516611 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 736938 | 736938 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 289863 | 289863 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 936719 | 936719 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 322060 | 322060 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 203100 | 203100 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed | Employed | No | No | No |  |
| 949475 | 949475 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 263338 | 263338 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 501939 | 501939 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 597435 | 597435 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 647075 | 647075 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | Yes | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 650995 | 650995 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 409852 | 409852 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 467383 | 467383 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed | Not Employed | No | No | No |  |
| 120706 | 120706 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 338700 | 338700 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 220836 | 220836 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | Yes | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Retired | Not Employed | No | No | No |  |
| 380980 | 380980 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 872169 | 872169 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 819511 | 819511 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 298017 | 298017 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 402099 | 402099 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 548530 | 548530 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 719491 | 719491 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 693183 | 693183 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 681184 | 681184 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 462834 | 462834 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 601471 | 601471 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 406002 | 406002 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 727265 | 727265 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 823582 | 823582 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 303185 | 303185 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 649337 | 649337 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 421603 | 421603 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 472005 | 472005 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Alternative ATR Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 216816 | 216816 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |

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## Exhibit 99.42

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 647075 |  | 647075 | Property City | xxx | xxx |
| 939828 |  | 939828 | Property Type | Two to Four Unit | Units |
| 731652 |  | 731652 | Property Type | Two to Four Unit | Units |
| 945015 |  | 945015 | Property Type | Two to Four Unit | Units |
| 872169 |  | 872169 | Property Type | Two to Four Unit | Units |
| 693183 |  | 693183 | Property Type | Single Family Detached | PUD |
| 727265 |  | 727265 | Property Type | Two to Four Unit | Units |
| 303185 |  | 303185 | Property Type | Two to Four Unit | Units |
| 472005 |  | 472005 | Property Type | Two to Four Unit | Units |
| 216816 |  | 216816 | Property Type | Two to Four Unit | Units |
| 298017 |  | 298017 | Property Zip Code | xxx | xxx |

---

## Exhibit 99.43

### ASPIRE MORTGAGE TRUST 2026-2

#### Mortgage Loans Excluded from Securitization Transaction

The Redacted Loan IDs contained in the table below represent mortgage loans which have been excluded from the pool of mortgage loans that are expected to back certain mortgage-backed securities issued by Aspire Mortgage Trust 2026-2 in connection with a securitization transaction. As such, solely as it relates to the Redacted Loan IDs indicated below, the findings and conclusions Clayton Services LLC ("Clayton"), Consolidated Analytics, Inc ("CA") and Clarifii LLC ("Clarifii") contained as an Exhibit to this Form ABS-15G should be disregarded in their entirety.

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| | | |
|:---|:---|:---|
| **Clayton Redacted Loan ID** | **CA Redacted Loan ID** | **Clarifii Redacted Loan ID** |
| 409024994 | 409018321 | 730607 |
| 409018852 | 409030239 |  |
| 409019571 | 409035262 |  |
|  | 409032546 |  |
|  | 409037216 |  |
|  | 409025235 |  |
|  | 409016536 |  |

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## Exhibit 99.44

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

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

Aspire Sponsor, LLC (the "Aspire Sponsor") Aspire Depositor, LLC (the "Depositor") One Belvedere Place, Suite 330, Mill Valley, California 94941 21 April 2026

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| | |
|:---|:---|
| **Re:** | **Aspire Mortgage Trust 2026-2 (the "Issuing Entity")<br> Mortgage Pass-Through Certificates, Series 2026-2 (the "Certificates")<br> Sample Mortgage Loan Agreed-Upon Procedures** |

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We have performed the procedures enumerated in Attachment A, which were agreed to and acknowledged as appropriate by the Aspire Sponsor, Depositor, CCS Structured Credit Investments Fund LP (the "Retaining Sponsor"), Morgan Stanley & Co. LLC, Barclays Capital Inc. and Mizuho Securities USA LLC (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 Aspire Sponsor, on behalf of the Depositor, provided us with:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. An electronic data file labeled "SPIRE 2026-2 Tape (EY, 04.06.26).xlsx" and the corresponding record layout and decode information, as applicable (the "Preliminary Data File"), that the Aspire Sponsor, on behalf of the Depositor,
 indicated contains information as of 1 April 2026 (the "Cut-off Date") relating to certain mortgage loans (the "Preliminary Mortgage Loans") which are expected to be representative of the Mortgage Loans,

------

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| | |
|:---|:---|
| ![](ey_logo.jpg) <br>| Page 2 of 3<br>|

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Imaged copies of the following items (collectively, the "Source Documents"):

<br> i. Promissory note (the "Note"),

<br> ii. Credit report (the "Credit Report"),

<br> iii. Loan application and occupancy affidavit (collectively and as applicable, the "Application"),

<br> iv. Underwriting summary and/or conditional underwriting approval (collectively and as applicable, the "Underwriting Summary"),

<br> v. Appraisal report (the "Appraisal") and

<br> vi. Settlement statement or closing disclosure (collectively and as applicable, the "Settlement Statement")

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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, Preliminary Data File, Source Documents, Sample Characteristics and the determination of the instructions, assumptions and methodologies that are described herein. We were not requested to perform, and we have not performed, any procedures other than those listed in Attachment A. We have not verified, and we make no representation as to, the accuracy, completeness or reasonableness of the Source Documents or any other information provided to us, or that we were instructed to obtain, as applicable, by the Aspire Sponsor, 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 and methodologies provided to us by the Aspire Sponsor, 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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| | |
|:---|:---|
| ![](ey_logo.jpg) <br>| Page 3 of 3<br>|

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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:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Making any findings with respect to:

<br> i. Whether the origination of the Mortgage Loans conformed to, or deviated from, stated underwriting or credit extension guidelines, standards, criteria, or other requirements,

<br> ii. The value of the collateral securing the Mortgage Loans,

<br> iii. Whether the originator(s) of the Mortgage Loans complied with federal, state or local laws or regulations or

<br> 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

21 April 2026

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**---

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

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**

#### <br>

#### Procedures performed and our associated findings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. As instructed by the Aspire Sponsor, on behalf of the Depositor, we randomly selected a sample of 211 Preliminary Mortgage Loans from the Preliminary Data File (the "Sample Mortgage Loans"). For the purpose of this procedure, the Aspire
 Sponsor, 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 Preliminary Data
 File.

For the purpose of the procedures described in this report, the 211 Sample Mortgage Loans are referred to as Sample Mortgage Loan Numbers 1 through 211.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. 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 Aspire Sponsor, 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 Aspire Sponsor, 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 6

#### <br>
 

<br> #### Sample Characteristics and Source Documents

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| | | |
|:---|:---|:---|
| **Sample Characteristic** | **Preliminary<br> Data File Field Name** | **Source Document(s)** |
|  Loan number | Loan Number | 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 |
|  Original term to maturity | Original Term to Maturity | (a)&nbsp;&nbsp;&nbsp;&nbsp; Note or<br> (b)&nbsp;&nbsp;&nbsp;&nbsp; Note and recalculation |
|  Property state | State | Note |
|  Property zip code | Postal Code | Note |
|  Prepayment charge term | Prepayment Penalty Total Term | (a)&nbsp;&nbsp;&nbsp;&nbsp; Note or<br> (b)&nbsp;&nbsp;&nbsp;&nbsp; Note and recalculation |
|  Interest only term | Original Interest Only Term | (a)&nbsp;&nbsp;&nbsp;&nbsp; Note or<br> (b)&nbsp;&nbsp;&nbsp;&nbsp; Note and recalculation |
|  Index description | Index Type | Note |
|  Gross margin | Gross Margin | Note |
|  Initial fixed rate period | Initial Fixed Rate Period | (a)&nbsp;&nbsp;&nbsp;&nbsp; Note or<br> (b)&nbsp;&nbsp;&nbsp;&nbsp; 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)&nbsp;&nbsp;&nbsp;&nbsp; Note or<br> (b)&nbsp;&nbsp;&nbsp;&nbsp; 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 |

---

------

#### Exhibit 1 to Attachment A Page 2 of 6

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

---

---

| | | |
|:---|:---|:---|
|  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 |
|  Occupancy status | Occupancy | Application or Underwriting Summary |
|  Sale price (if applicable) | Sales Price | Settlement Statement |
|  Property type | Property Type | Appraisal |
|  Loan purpose | Loan Purpose | Application, Credit Report, Settlement Statement, Underwriting Summary or recalculation |
|  Appraisal value | Original Appraised Property Value | Appraisal<br>|
|  Junior lien balance | Junior Mortgage Balance | Underwriting Summary, Application 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 3 of 6

#### Notes :

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For the purpose of comparing the original term to maturity Sample Characteristic for any Sample Mortgage Loan that does not have the original term to maturity specifically stated in the Note, the Aspire Sponsor, on behalf of the
 Depositor, instructed us to use the sum of:

<br> (a) The difference in months between the maturity date and first payment date, both as shown in the Note, and

<br> (b) 1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. For the purpose of comparing the prepayment charge term Sample Characteristic for any Sample Mortgage Loan that does not have the prepayment charge term specifically stated in the Note, the Aspire Sponsor, on behalf of the Depositor,
 instructed us to use the sum of:

<br> (a) The difference in months between the prepayment premium end date and first payment date, both as shown in the Note, and

<br> (b) 1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. For the purpose of comparing the interest only term Sample Characteristic for any Sample Mortgage Loan that does not have the interest only term specifically stated in the Note, the Aspire Sponsor, on behalf of the Depositor, instructed
 us to use the sum of:

<br> (a) The difference in months between the interest only end date and first payment date, both as shown in the Note, and

<br> (b) 1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. The Aspire Sponsor, on behalf of the Depositor, instructed us not to perform any procedures with respect to the:

<br> (a) Index description,

<br> (b) Gross margin,

<br> (c) Initial fixed rate period,

<br> (d) Subsequent interest rate reset period,

<br> (e) Initial interest rate cap change up,

<br> (f) Initial interest rate cap change down,

<br> (g) Subsequent interest rate change up,

<br> (h) Subsequent interest rate change down,

<br> (i) Maximum interest rate and

<br> (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.

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Exhibit 1 to Attachment A

Page 4 of 6

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. 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 Aspire Sponsor, on behalf of the Depositor, instructed us to use the sum of:

<br> (a) The difference in months between the first rate change date and first payment date, both as shown in the Note, and

<br> (b) 1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. 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 Aspire Sponsor,
 on behalf of the Depositor, instructed us to use the difference between the:

<br> (a) Initial rate adjustment maximum interest rate and

<br> (b) Original interest rate,

both as shown in the Note.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. 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 Aspire
 Sponsor, on behalf of the Depositor, instructed us to use the maximum of:

<br> (a) The difference between the:

<br> (1) Original interest rate and

<br> (2) Initial rate adjustment minimum interest rate,

both as shown in the Note, and

(b) 0.000(%).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. 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, the Aspire Sponsor, on behalf of the Depositor,
 instructed us to use the gross margin, as shown in the Note, as the minimum interest rate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. For the purpose of comparing any Sample Characteristic listing the Application as a Source Document for any Sample Mortgage Loan for which the Aspire Sponsor, on behalf of the Depositor, provided more than one Application, the Aspire
 Sponsor, on behalf of the Depositor, instructed us to use the most recent Application as the Source Document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. For the purpose of comparing the occupancy status Sample Characteristic, the Aspire Sponsor, 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.

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Exhibit 1 to Attachment A

Page 5 of 6

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xii. For the purpose of comparing any Sample Characteristic listing the Settlement Statement as a Source Document for any Sample Mortgage Loan for which the Aspire Sponsor, on behalf of the Depositor, provided more than one Settlement
 Statement, the Aspire Sponsor, on behalf of the Depositor, instructed us to use the most recent Settlement Statement as the Source Document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xiii. For the purpose of comparing any Sample Characteristic listing the Appraisal as a Source Document for any Sample Mortgage Loan for which the Aspire Sponsor, on behalf of the Depositor, provided more than one Appraisal, the Aspire
 Sponsor, on behalf of the Depositor, instructed us to use the Appraisal with the lowest appraisal value as the Source Document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xiv. 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 Aspire Sponsor, 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 Aspire Sponsor, on behalf of the Depositor, instructed us to calculate the "Amount to Borrower" as the difference between the:

<br> (a) Original principal balance, as shown in the Note, and

<br> (b) Sum of the:

<br> (1) Unpaid principal balance of any previous mortgage loan that is being refinanced, as shown in the Settlement Statement, and

<sup>(2)</sup> Total closing costs relating to the Refinanced Sample Mortgage Loan, as shown in the Settlement Statement.<br>

For any Refinanced Sample Mortgage Loan (except for Sample Mortgage Loan Numbers 44, 82, 95, 134, 145, 160, 188 and 197), the Aspire Sponsor, on behalf of the Depositor, instructed us to note agreement with a loan purpose of:

(a) "Refinance – Cash Out" (except for Sample Mortgage Loan Number 84) 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,

<br> (b) "Limited Cash – Out" for Sample Mortgage Loan Numbers 2, 55, 96, 103, 124, 144, 177, 182 and 194 or

<br> (c) "Refinance – Rate Term" for each remaining Refinanced Sample Mortgage Loan.

For the purpose of comparing the loan purpose Sample Characteristic for Sample Mortgage Loan Numbers 44, 82, 95, 134, 145, 160, 188 and 197, the Aspire Sponsor, on behalf of the Depositor, instructed us to use the Underwriting Summary as the Source Document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xv. For the purpose of comparing the junior lien balance Sample Characteristic, the Aspire Sponsor, on behalf of the Depositor, instructed us to note agreement if the value on the Preliminary Data
 File

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Exhibit 1 to Attachment A

Page 6 of 6

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.<br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xvi. The Aspire Sponsor, on behalf of the Depositor, instructed us to use:

<br> (a) For any Purchase Sample Mortgage Loan, the lesser of the (1) appraisal value, as shown in the Appraisal, and (2) sale price, as shown in the Settlement Statement,

<br> (b) For any Refinanced Sample Mortgage Loan (except for Sample Mortgage Loan Number 131), the appraisal value, as shown in the Appraisal or

<br> (c) For Sample Mortgage Loan Number 131, the prior sale price, as shown in the Appraisal,

as the "Value for LTV."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xvii. For the purpose of comparing the original loan-to-value ratio Sample Characteristic, the Aspire Sponsor, on behalf of the Depositor, instructed us to use the quotient
 (rounded to the fourth decimal place (X.XXXX)) of the:

<br> (a) Original principal balance, as shown in the Note, divided by

<br> (b) Value for LTV.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xviii. For the purpose of comparing the combined loan-to-value ratio Sample Characteristic, the Aspire Sponsor, on behalf of the Depositor, instructed us to use the quotient (rounded to the fourth decimal place (X.XXXX)) of the:

<br> (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

<br> (b) Value for LTV.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xix. For the purpose of comparing the original loan-to-value ratio and combined loan-to-value ratio Sample Characteristics, the Aspire Sponsor, 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 Aspire Sponsor, on behalf of the Depositor, that are described in the notes above.

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#### Exhibit 2 to Attachment A

#### <br>
 

<br> #### Sample Characteristic Differences

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| | | | |
|:---|:---|:---|:---|
| **Sample**<br> **Mortgage**<br> **<u>Loan Number</u>** | **<u>Sample Characteristic</u>** | **<u>Preliminary Data File Value</u>** | **<u>Source Document Value</u>** |
| 28 | Property type | Single Family Detached (non-PUD) | PUD |
| 37 | Property type | Single Family Detached (non-PUD) | 1 Family Attached |
| 58 | Appraisal value | $2811000.00 | $2800000.00 |
|  | Original loan-to-value ratio | 0.6912 | 0.6939 |
|  | Combined loan-to-value ratio | 0.6912 | 0.6939 |
| 64 | Property type | Condo, Low Rise (4 or fewer stories) | Condo, High Rise (5+ stories) |
| 82 | Loan purpose | Refinance - Rate Term | Limited Cash - Out |
| 110 | Occupancy status | Owner-occupied | Second home |
| 111 | Property type | Single Family Detached (non-PUD) | 1 Family Attached |
| 114 | Property type | Single Family Detached (non-PUD) | 1 Family Attached |
| 131 | Appraisal value | $356000.00 | $351000.00 |
| 146 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 148 | Property type | Condo, Low Rise (4 or fewer stories) | Condo, High Rise (5+ stories) |

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