# EDGAR Filing Document

**Accession Number:** 0001803775
**File Stem:** 0001999371-25-018909
**Filing Date:** 2025-11
**Character Count:** 3849840
**Document Hash:** 4eea55c38c1648a4fc59abaf4d445b70
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-018909.hdr.sgml**: 20251126

**ACCESSION NUMBER**: 0001999371-25-018909

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

**PUBLIC DOCUMENT COUNT**: 98

**CONFORMED PERIOD OF REPORT**: 20251126

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

**FILED AS OF DATE**: 20251126

**DATE AS OF CHANGE**: 20251126

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MFRA NQM Depositor, LLC
- **CENTRAL INDEX KEY:** 0001803775

**ORGANIZATION NAME:**
- **EIN:** 472232021
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-04985
- **FILM NUMBER:** 251531588

**BUSINESS ADDRESS:**
- **STREET 1:** 350 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022
- **BUSINESS PHONE:** 212-207-6400

**MAIL ADDRESS:**
- **STREET 1:** 350 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MFRA NQM Depositor, LLC
- **CENTRAL INDEX KEY:** 0001803775

**ORGANIZATION NAME:**
- **EIN:** 472232021
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 350 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022
- **BUSINESS PHONE:** 212-207-6400

**MAIL ADDRESS:**
- **STREET 1:** 350 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MFRA NQM Depositor, LLC
- **CENTRAL INDEX KEY:** 0001803775

**ORGANIZATION NAME:**
- **EIN:** 472232021
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-04985

**BUSINESS ADDRESS:**
- **STREET 1:** 350 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022
- **BUSINESS PHONE:** 212-207-6400

**MAIL ADDRESS:**
- **STREET 1:** 350 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022

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

**<u>MFRA NQM DEPOSITOR, LLC</u>**

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

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

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: 0001803775

**MFA 2025-NQM5 Trust**

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

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

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

Bryan Wulfsohn, 212-207-6431

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

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

Item 1.01 Initial Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.02 Periodic Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.03 Notice of Termination of Duty to File Reports under Rule l5Ga-1

Not Applicable

**PART II – FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS**

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

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

**Item 2.02 Findings and Conclusions of a Third-Party Due Diligence Report Obtained by the Underwriter**

Not Applicable

**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.

---

| | | |
|:---|:---|:---|
|  | **MFRA NQM Depositor, llc** | **MFRA NQM Depositor, llc** |
| Date: November 26, 2025 | | /s/ Bryan Wulfsohn |
|  | Name: | Bryan Wulfsohn |
|  | Title: | Vice President |

---

**EXHIBIT INDEX**

99.01 [AMC Diligence, LLC ()"**AMC**") Narrative](ex99-01.htm)

&nbsp;&nbsp;&nbsp;&nbsp;1. [AMC Exceptions Report](ex9901s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;2. [AMC Exception Grades Report](ex9901s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;3. [AMC Valuations Report](ex9901s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;4. [AMC Data Compare Report](ex9901s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;5. [AMC Supplemental Report](ex9901s5.htm)

99.02 [Clarifii LLC ()"**Clarifii**") Narrative](ex99-02.htm)

&nbsp;&nbsp;&nbsp;&nbsp;1. [Clarifii ATR or QM Report](ex9902s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;2. [Clarifii Business Purpose Report](ex9902s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;3. [Clarifii Data Compare Report](ex9902s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;4. [Clarifii Rating Agency Grades Summary Report](ex9902s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;5. [Clarifii Rating Agency Grades Detail Report](ex9902s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;6. [Clarifii Supplemental Data Report](ex9902s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;7. [Clarifii Valuation Report](ex9902s7.htm)

99.03 [Consolidated Analytics, Inc. ()"**CA**") Narrative](ex99-03.htm)

&nbsp;&nbsp;&nbsp;&nbsp;1. [CA Due Diligence Standard Report](ex9903s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;2. [CA Supplemental Summary](ex9903s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;3. [CA Rating Agency Grades Summary Report](ex9903s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;4. [CA Valuations Report](ex9903s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;5. [CA Data Compare Report](ex9903s5.htm)

99.04 [Clayton Services LLC ()"**Clayton**") Narrative](ex99-04.htm)

&nbsp;&nbsp;&nbsp;&nbsp;1. [Clayton Conditions Summary Report](ex9904s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;2. [Clayton Conditions Detail Report](ex9904s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;3. [Clayton Loan Grades Report](ex9904s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;4. [Clayton Loan Level Tape Compare Report](ex9904s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;5. [Clayton Non ATR QM Upload Report](ex9904s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;6. [Clayton RA ATR QM Data Report](ex9904s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;7. [Clayton Valuations Summary Report](ex9904s7.htm)

&nbsp;&nbsp;&nbsp;&nbsp;8. [Clayton Waived Conditions Summary Report](ex9904s8.htm)

99.05 [Evolve Mortgage Services ()"**Evolve**") Narrative](ex99-05.htm)

&nbsp;&nbsp;&nbsp;&nbsp;1. [Evolve Rating Agency Grades Report](ex9905s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;2. [Evolve Exception Detail Report](ex9905s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;3. [Evolve Valuation Report](ex9905s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;4. [Evolve Data Compare Report](ex9905s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;5. [Evolve QM ATR Data Report](ex9905s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;6. [Evolve Business Purpose Report](ex9905s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;7. [Evolve Additional Data Report](ex9905s7.htm)

99.06 [Infinity IPS, Inc. ()"**Infinity**") Narrative](ex99-06.htm)

&nbsp;&nbsp;&nbsp;&nbsp;1. [Infinity Rating Agency Grade Summary Report](ex9906s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;2. [Infinity Rating Agency Grade Detail Report](ex9906s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;3. [Infinity Business Purpose Report](ex9906s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;4. [Infinity Supplemental Data Report](ex9906s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;5. [Infinity Valuation Report](ex9906s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;6. [Infinity ATR or QM Report](ex9906s6.htm)

99.07 [Inglet Blair, LLC ()"**Inglet Blair**") Narrative](ex99-07.htm)

&nbsp;&nbsp;&nbsp;&nbsp;1. [Inglet Blair Loan Summary Report](ex9907s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;2. [Inglet Blair Exception Report](ex9907s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;3. [Inglet Blair Final Grading Summary Report](ex9907s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;4. [Inglet QM Summary Report](ex9907s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;5. [Inglet Supplemental Data Report](ex9907s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;6. [Inglet Client Supplemental Report](ex9907s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;7. [Inglet Blair Data Comparison Report](ex9907s7.htm)

&nbsp;&nbsp;&nbsp;&nbsp;8. [Inglet Blair Valuation Report](ex9907s8.htm)

99.08 [Maxwell Diligence Solutions, LLC ()"**Maxwell**") Narrative](ex99-08.htm)

&nbsp;&nbsp;&nbsp;&nbsp;1. [Maxwell Standard Exceptions Report](ex9908s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;2. [Maxwell Grading Report](ex9908s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;3. [Maxwell Valuation Report](ex9908s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;4. [Maxwell Supplemental Data Report](ex9908s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;5. [Maxwell Business Purpose Report](ex9908s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;6. [Maxwell Data Compare Report](ex9908s6.htm)

99.09 [Opus Capital Markets Consultants, LLC ()"**Opus**") Narrative](ex99-09.htm)

&nbsp;&nbsp;&nbsp;&nbsp;1. [Opus Rating Agency Grade Summary Report](ex9909s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;2. [Opus Standard Findings Report](ex9909s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;3. [Opus ATR or QM Report](ex9909s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;4. [Opus Supplemental Data Report](ex9909s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;5. [Opus Business Purpose Report](ex9909s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;6. [Opus Valuation Report](ex9909s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;7. [Opus Data Compare Report](ex9909s7.htm)

99.10 [Selene Diligence LLC ()"**Selene**") Narrative](ex99-10.htm)

&nbsp;&nbsp;&nbsp;&nbsp;1. [Selene Rating Agency Grades Summary Report](ex9910s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;2. [Selene Standard Findings Report](ex9910s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;3. [Selene Valuation Report](ex9910s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;4. [Selene Mortgage Loan Schedule Report](ex9910s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;5. [Selene Supplemental Data Report](ex9910s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;6. [Selene Business Purpose Report](ex9910s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;7. [Selene Data Compare Report](ex9910s7.htm)

## Exhibit 99.01

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.01**

![](ex9901001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

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

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

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

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

▪ "Credit and Compliance
 Review": 2 mortgage loans

▪ "Data Integrity Review": 2 mortgage loans

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

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

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

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;Origination Company Name |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;Originator Loan Designation |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Coborrower Self-Employed? | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Secondary Appraisal Date |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Zip |

---

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

1 \| P a g e

![](ex9901001.jpg)

**<u>CREDIT AND COMPLIANCE SCOPE (2 Mortgage Loans)</u>**

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

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

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

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

2 \| P a g e

![](ex9901001.jpg)

origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, AMC conditioned the mortgage loan for the missing fraud report product.

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

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

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

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

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

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

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

**(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

3 \| P a g e

![](ex9901001.jpg)

compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by AMC are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which AMC is relying in reaching such findings.

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA") (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

4 \| P a g e

![](ex9901001.jpg)

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

5 \| P a g e

![](ex9901001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

6 \| P a g e

![](ex9901001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

7 \| P a g e

![](ex9901001.jpg)

---

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

---

---

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

---

---

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

---

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

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

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

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

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

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

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

*<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

8 \| P a g e

![](ex9901001.jpg)

income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

9 \| P a g e

![](ex9901001.jpg)

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

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

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

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

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

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

**(9) Disclaimer**

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

10 \| P a g e

![](ex9901001.jpg)

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.

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

**COMPLIANCE RESULTS SUMMARY**

Within the securitization population, 1 (50.00%) of the mortgage loans received an "A" compliance grade, and 1 (50.00%) of the mortgage loans received a "B" compliance grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Compliance** | &nbsp;&nbsp;**Fitch Compliance** | &nbsp;&nbsp;**Fitch Compliance** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

Within the securitization population, 1 (50.00%) of the mortgage loans received an "A" credit grade, and 1 (50.00%) of the mortgage loans received a "B" credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Credit** | &nbsp;&nbsp;**Fitch Credit** | &nbsp;&nbsp;**Fitch Credit** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

11 \| P a g e

![](ex9901001.jpg)

**PROPERTY/VALUATION RESULTS SUMMARY**

Within the securitization population, all 2 (100.00%) of the mortgage loans received an "A" property grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Property/Valuation** | &nbsp;&nbsp;**Fitch Property/Valuation** | &nbsp;&nbsp;**Fitch Property/Valuation** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**OVERALL RESULTS SUMMARY**

After considering the grading implications of the Compliance, Credit, and Property/Valuation sections above, 2 (100.00%) of the loans by number in the pool possessed a NRSRO grade of "A" or "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Overall** | &nbsp;&nbsp;**Fitch Overall** | &nbsp;&nbsp;**Fitch Overall** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION SUMMARY (2 Mortgage Loans)**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Fitch Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***4*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**4** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**6** |

---

12 \| P a g e

![](ex9901001.jpg)

**DATA INTEGRITY REVIEW SUMMARY (2 Mortgage Loans)**

The Data Integrity Review was completed to compare information collected by AMC during the course of the review on loans reviewed by AMC for compliance versus the provided data tape. In total, AMC identified 45 fields that were compared across various loans in the population. Some of the comparison fields are conditional based on loan characteristics (ex. ARM vs. Fixed); however, AMC, in the counts below, has included in the total comparison population all loans in the securitization population regardless of whether such data field may have been applicable for the loan in questions such that a N/A is equivalent to not exhibiting a variance.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Coborrower Self-Employed? | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |

---

13 \| P a g e

![](ex9901001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Origination Company Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Secondary Appraisal Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**62** | &nbsp;&nbsp;**9.68%** | &nbsp;&nbsp;**2** |

---

**ADDITIONAL SUMMARY (2 Mortgage Loans)** 

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1495000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1495000.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1495000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1495000.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$335000.00 | &nbsp;&nbsp;22.41% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$1160000.00 | &nbsp;&nbsp;77.59% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1495000.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1495000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1495000.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1495000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1495000.00** | &nbsp;&nbsp;**100.00%** |

---

14 \| P a g e

![](ex9901001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1495000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1495000.00** | &nbsp;&nbsp;**100.00%** |

---

15 \| P a g e

## Exhibit 99.01

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.01 - Schedule 1**

![](situs-logo.jpg)

**Loan Level Exception - Final Grades**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Edgar ID** | **Borrower Name** | **Deal Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **QM Status** | **Overall Grade** | **Credit Grade** | **Credit Exceptions** | **Credit Exception Information** | **Credit Exception Comments** | **Property Grade** | **Property Exceptions** | **Property Exception Information** | **Property Exception Comments** | **Compliance Grade** | **Compliance Exceptions** | **Compliance Exception Information** | **Compliance Exception Comments** | **Compliance Comp Factors** | **Compensating Factors** | **Subject to High Cost - Unable to Test** | **Disposition 2** |
| XXXX | XXXX | XXXX | NQM5-1000001 | XXXX | XXXX | $XXXX | OR | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | Non QM | 2 | 2 | [2] Asset Documentation - Aged document: Asset Account date is more than 90 days prior to the note.: Financial Institution: XXXX Bank / End Date: XX/XX/XXXX // Account Type: Checking / Account Number: XXXX Asset Account Date: XX/XX/XXXX<br> [2] Insurance Analysis - Hazard Insurance Policy expires within 90 days of the Note Date.: Hazard Insurance Policy Expiration Date XX/XX/XXXX, Note Date XX/XX/XXXX | Most recent bank statement for the borrowers personal XXXX accounts is dated XX/XX/XXXX, which is 94 days from the Note dated XX/XX/XXXX. XXXX Statement guidelines do not specify document expiration however, industry standard is 90 days. The XXXX personal bank statement, or lender's approved exception with compensating factors for the expired statement is required to clear or waive this exception.<br> Hazard Insurance Policy provided expired on XX/XX/XXXX which is prior to the subject loan first payment date of XX/XX/XXXX. Although the Final CD disclosed the full hazard premium, the policy does not reflect automatic renewals and it cannot be verified that insurance coverage was in place at the time of the first payment. | REVIEWER - WAIVED COMMENT (2019-06-24): Waived with comp factors noted<br> BUYER - WAIVED COMMENT (2019-06-18): we allow this | 1 |  |  |  | 2 | [2] Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.<br> [2] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXX/XX/XXXX)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $695.00. Insufficient or no cure was provided to the borrower. (7506) | Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Disclosure was not provided for review in loan file.<br> Federal Compliance - TRID Final Closing Disclosure Closing Date: Closing date on final Closing Disclosure reflected as XX/XX/XXXXbut documents were signed XX/XX/XXXX. Final CD reflects Closing Date of XX/XX/XXXX, but transaction consummation (mortgage notary) date was XX/XX/XXXX. Provide a post-close CD correcting the closing date to match the notary date and a copy of the letter of explanation to the borrower disclosing the changes made.<br> Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: Final closing costs exceeded legal limits by $105. Initial LE disclosed Appraisal fee as $695, Final CD disclosed fee as $800, a zero percent tolerance violation in the amount of $105, no evidence in loan file to support Borrower's were issued a credit to cure violation.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Final CD disclosed fee as $800, a zero percent tolerance violation in the amount of $105, no evidence in loan file to support Borrower's were issued a credit to cure violation. Appraisal invoice for $800 is dated XX/XX/XXXXa COC should have been issued at that time; COC issuedXX/XX/XXXXot valid as cure for this violation. | BUYER - WAIVED COMMENT (2019-02-24): We have provided our broker agreement which shows that all transactions are based on a set compensation and not subject to terms of the transaction<br> BUYER - GENERAL COMMENT (2019-05-08): Oregon closing documents are not date sensitive therefore it's ok if the borrower doesn't sign the date they're generated.<br> REVIEWER - GENERAL COMMENT (2019-05-09): The issue on this exception is not the date of document issued, but rather the closing date indicated on the CD. The closing date must match the actual closing date. A Corrected CD and LOE are required to cure.<br> BUYER - WAIVED COMMENT (2019-06-18): waive<br> BUYER - WAIVED COMMENT (2019-06-18): waive<br> BUYER - OPEN - UNABLE TO CLEAR COMMENT (2019-06-18): more than 60 days has passed to cure | Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was involuntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br> EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA - 1yr affirmative<br>Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrowers have owned the subject property for 30 years<br>Housing history 0x30 for 8 years |  | - B A |
| XXXX | XXXX | XXXX | NQM5-1000002 | XXXX | XXXX | $XXXX | CA | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 1 | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  |  |  |  | - A |

---

## Exhibit 99.01

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.01 - Schedule 2**

![](situs-logo.jpg)

**Exception Grades**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Edgar ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX | XXXX | XXXX | NQM5-1000001 | 13757721 | XXXX | XX/XX/XXXX | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date XX/XX/XXXX, Note Date XX/XX/XXXX | Hazard Insurance Policy provided expired on XX/XX/XXXX which is prior to the subject loan first payment date of XX/XX/XXXX. Although the Final CD disclosed the full hazard premium, the policy does not reflect automatic renewals and it cannot be verified that insurance coverage was in place at the time of the first payment. |  |  |  | Buyer Comment (2019-06-18): we allow this |  |  | 06/18/2019 | 2 B | XX/XX/XXXX | OR | Primary | Refinance - Cash-out - Debt Consolidation | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | NQM5-1000001 | 13757755 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Disclosure | Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. | Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. | Disclosure was not provided for review in loan file. |  |  |  | Buyer Comment (2019-02-24): We have provided our broker agreement which shows that all transactions are based on a set compensation and not subject to terms of the transaction |  |  | 02/24/2019 | 2 B | XX/XX/XXXX | OR | Primary | Refinance - Cash-out - Debt Consolidation | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | NQM5-1000001 | 13757756 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Date | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Closing Date that did not match the actual date of consummation. (FinXX/XX/XXXX) | Closing date on final Closing Disclosure reflected as XX/XX/XXXXbut documents were signed XX/XX/XXXX. Final CD reflects Closing Date of XX/XX/XXXX, but transaction consummation (mortgage notary) date was XX/XX/XXXX. Provide a post-close CD correcting the closing date to match the notary date and a copy of the letter of explanation to the borrower disclosing the changes made. |  |  |  | Buyer Comment (2019-06-18): waive<br>Reviewer Comment (2019-05-09): The issue on this exception is not the date of document issued, but rather the closing date indicated on the CD. The closing date must match the actual closing date. A Corrected CD and LOE are required to cure.<br>Buyer Comment (2019-05-08): Oregon closing documents are not date sensitive therefore it's ok if the borrower doesn't sign the date they're generated. |  |  | 06/18/2019 | 2 B | XX/XX/XXXX | OR | Primary | Refinance - Cash-out - Debt Consolidation | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | NQM5-1000001 | 13757758 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXX/XX/XXXX) | Final closing costs exceeded legal limits by $105. Initial LE disclosed Appraisal fee as $695, Final CD disclosed fee as $800, a zero percent tolerance violation in the amount of $105, no evidence in loan file to support Borrower's were issued a credit to cure violation. |  |  |  | Buyer Comment (2019-06-18): waive |  |  | 06/18/2019 | 2 B | XX/XX/XXXX | OR | Primary | Refinance - Cash-out - Debt Consolidation | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | NQM5-1000001 | 13757759 | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $695.00. Insufficient or no cure was provided to the borrower. (7506) | Final CD disclosed fee as $800, a zero percent tolerance violation in the amount of $105, no evidence in loan file to support Borrower's were issued a credit to cure violation. Appraisal invoice for $800 is dated XX/XX/XXXXa COC should have been issued at that time; COC issuedXX/XX/XXXXot valid as cure for this violation. |  |  |  | Buyer Comment (2019-06-18): more than 60 days has passed to cure |  |  |  | 2 B | XX/XX/XXXX | OR | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | NQM5-1000001 | 13757761 | XXXX | XX/XX/XXXX | Credit | Asset | Asset Documentation | Asset | Aged document: Asset Account date is more than 90 days prior to the note. | Financial Institution: XXXX Bank / End Date: XX/XX/XXXX // Account Type: Checking / Account Number: XXXX Asset Account Date: XX/XX/XXXX | Most recent bank statement for the borrowers personal XXXX accounts is dated XX/XX/XXXX, which is 94 days from the Note dated XX/XX/XXXX. XXXX Statement guidelines do not specify document expiration however, industry standard is 90 days. The XXXX personal bank statement, or lender's approved exception with compensating factors for the expired statement is required to clear or waive this exception. | Housing history 0x30 for 8 years<br>Borrowers have owned the subject property for 30 years |  | Originator<br>Originator | Reviewer Comment (2019-06-24): Waived with comp factors noted |  |  | 06/24/2019 | 2 B | XX/XX/XXXX | OR | Primary | Refinance - Cash-out - Debt Consolidation | B A | Non QM | Non QM | No |

---

## Exhibit 99.01

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.01 - Schedule 3**

![](situs-logo.jpg)

**Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Edgar ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXXX | XXXX | XXXX | NQM5-1000001 | XX/XX/XXXX | $XXXX |  | $XXXX |  | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal |  | XXXX | XXXX |  | $XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | NQM5-1000002 | XX/XX/XXXX | $XXXX |  | $XXXX |  | $0.00 | 0.000% | $XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | $XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |

---

## Exhibit 99.01

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.01 - Schedule 4**

![](situs-logo.jpg)

**Data Compare (Non-Ignored)**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Edgar ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| XXXX | XXXX | XXXX |  | NQM5-1000001 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | NQM5-1000001 | Coborrower Self-Employed? | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | NQM5-1000001 | Origination Company Name | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | NQM5-1000001 | Secondary Appraisal Date |  | XX/XX/XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | NQM5-1000002 | Doc Type |  | Alt | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX |  | NQM5-1000002 | Interest Rate Life Floor | 3.5 | 2.3 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |

---

## Exhibit 99.01

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.01 - Schedule 5**

![](situs-logo.jpg)

**Supplemental Data**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Edgar ID** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** |
| XXXX | XXXX | XXXX | NQM5-1000001 | Non QM |  |  | XX/XX/XXXX | Yes | No | $XXXX | $XXXX | XX/XX/XXXX | 6.365% | $XXXX | $XXXX | XX% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $XXXX | 1 | $XXXX | $XXXX | $XXXX | $XXXX |  |  |  |  |  | 47.602% | 53.056% | 47.602% | XX/XX/XXXX | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% |  |  | Borrower Prepared | [Borrower - XXXX \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Account Statements - Business - 2018<br> [Borrower - XXXX \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Borrower-prepared P&L - 2018<br> [Borrower - XXXX \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Third Party Verification - 2018<br> [Borrower - XXXX \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Borrower-prepared P&L - 2017<br> [Borrower - XXXX \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: ]; Borrower-prepared P&L - 2016 | [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 4506 or 4506-T - 2015 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | XXXX - Full Document Guidelines 7.23.18 | XXXX | $XXXX | XX/XX/XXXX | 4.740% | $0.00 |  |  |  |  | N/A | No | 6.313% | 0 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXXX |  |  |  |  |  |  |  | Preliminary | Fee Simple |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.6 |  |  | No | XXXX | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| XXXX | XXXX | XXXX | NQM5-1000002 | Non QM |  |  | XX/XX/XXXX | Yes | No | $XXXX | $XXXX | XX/XX/XXXX | 5.712% | $XXXX | $XXXX | XX% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $XXXX | 2 | $XXXX | $XXXX | $XXXX | $XXXX |  |  |  |  |  | 29.028% | 29.028% | 29.028% | XX/XX/XXXX | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 90.000% | 100.000% |  |  | [Borrower - XXXX \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: ]; Third Party Verification - 2020<br> [Borrower - XXXX \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: ]; Account Statements - Business - 2019<br> [Coborrower(s) - XXXX \| Primary Income - Wages]; VVOE - 2020<br> [Coborrower(s) - XXXX \| Primary Income - Wages]; WVOE - 2020<br> [Coborrower(s) - XXXX \| Primary Income - Wages]; Paystubs - 2019<br> [Coborrower(s) - XXXX \| Primary Income - Wages]; W-2 - 2018<br> [Coborrower(s) - XXXX \| Primary Income - Wages]; W-2 - 2017 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; Transcripts (1040) - 2018 | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | XXXX Graded Matrices 9-17-2019 | XXXX | $XXXX | XX/XX/XXXX | 4.010% | $0.00 |  |  |  |  | N/A | No | 5.800% | 0 | 2 | 0 | 0 | 1 | 1 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXXX |  |  |  |  |  |  |  | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 283.99 |  |  | No | XXXX | $0.00 | $XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |

---

## Exhibit 99.02

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.02**

![](ex9902001.jpg)

**EXECUTIVE SUMMARY**

**MFA 2025-NQM5**

**By Clarifii LLC on November 20, 2025**

MFA 2025-NQM4 Due Diligence Narrative Report – PagE \| 1

![](ex9902001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW** 

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 22 loans (the "Loans") and these loans were subsequently acquired by MFA Financial, Inc. (the "Client") for the MFA 2025-NQM5 transaction. The loans referenced in this narrative report were reviewed 07/2025 through 08/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;2 | &nbsp;&nbsp;9.09% | &nbsp;&nbsp;$2616900.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;20 | &nbsp;&nbsp;90.91% | &nbsp;&nbsp;$13274900.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**22** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$15891800.00** |

---

The Review consisted of a population of 22 loans, with an aggregate principal balance of $15,891,800.00.

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

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

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

**LOAN SAMPLING**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |

---

MFA 2025-NQM4 Due Diligence Narrative Report – PagE \| 2

![](ex9902001.jpg)

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Field** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Employer 2 Position |
| &nbsp;&nbsp;Borrower 1 Employer 2 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs |
| &nbsp;&nbsp;Borrower 1 How was title held? |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Name of Employer 2 |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 SSN |

---

MFA 2025-NQM4 Due Diligence Narrative Report – PagE \| 3

![](ex9902001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Date Last Rate Was Set |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;Final Reviewed QM Status |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Verified Doc Type |

---

MFA 2025-NQM4 Due Diligence Narrative Report – PagE \| 4

![](ex9902001.jpg)

**CREDIT UNDERWRITING**

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

● **Loan Attributes** 

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

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

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

– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **Credit Application** 

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

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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

● **Credit History** 

Clarifii verified the following items:

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

– Bankruptcy and foreclosure seasoning

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

– Installment and revolving payment history

– Mortgage/Rental payment history

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

MFA 2025-NQM4 Due Diligence Narrative Report – PagE \| 5

![](ex9902001.jpg)

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

● **Employment and Income** 

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

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in loan file

● **Fraud Review** 

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

– Borrower identity

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

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

– Occupancy

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

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

– Employment

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

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

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

OFAC

● **Asset Review** 

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

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

MFA 2025-NQM4 Due Diligence Narrative Report – PagE \| 6

![](ex9902001.jpg)

– Settlements statements

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

– Other documentation in loan file

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

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

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

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

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

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

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

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

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

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

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

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **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)** 

MFA 2025-NQM4 Due Diligence Narrative Report – PagE \| 7

![](ex9902001.jpg)

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

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

**COMPLIANCE REVIEW**

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

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

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

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

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

● **Compliance Documentation Requirements** 

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

– Initial and final application (1003)

– Note, including all addendums

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

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

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

MFA 2025-NQM4 Due Diligence Narrative Report – PagE \| 8

![](ex9902001.jpg)

subprime, threshold, predatory high risk, covered or similar classification/definition was reported.

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

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

MFA 2025-NQM4 Due Diligence Narrative Report – PagE \| 9

![](ex9902001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

– 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).

MFA 2025-NQM4 Due Diligence Narrative Report – PagE \| 10

![](ex9902001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

– 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.

MFA 2025-NQM4 Due Diligence Narrative Report – PagE \| 11

![](ex9902001.jpg)

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

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

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

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

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

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

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

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

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

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

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

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

MFA 2025-NQM4 Due Diligence Narrative Report – PagE \| 12

![](ex9902001.jpg)

whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the preceding paragraph and reviewed the Automated Underwriting System output within the file to confirm agency eligibility.

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

**ABILITY TO REPAY (ATR)** 

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

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

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

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

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

**VALUATION REVIEW** 

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

● **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

MFA 2025-NQM4 Due Diligence Narrative Report – PagE \| 13

![](ex9902001.jpg)

red flags related to the mortgaged property that may have posed a risk to the property or occupants.

● **Uniform Standards of Professional Appraisal Practice (USPAP)** 

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

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10% of OA or Acceptable UCDP Risk Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

**DUE DILIGENCE GRADING CRITERIA** 

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

MFA 2025-NQM4 Due Diligence Narrative Report – PagE \| 14

![](ex9902001.jpg)

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

**Final Event Grade** 

---

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

---

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

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

---

MFA 2025-NQM4 Due Diligence Narrative Report – PagE \| 15

![](ex9902001.jpg)

 basis. The appraiser was not appropriately licensed or did not use GSE approved forms.

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

**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS** 

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;19 | &nbsp;&nbsp;86.36% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;13.64% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**22** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;19 | &nbsp;&nbsp;86.36% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;13.64% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**22** | &nbsp;&nbsp;**100.00%** |

---

MFA 2025-NQM4 Due Diligence Narrative Report – PagE \| 16

![](ex9902001.jpg)

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**22** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**22** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$15891800.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**22** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$15891800.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;7 | &nbsp;&nbsp;31.82% | &nbsp;&nbsp;$7230650.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.55% | &nbsp;&nbsp;$1162500.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;14 | &nbsp;&nbsp;63.64% | &nbsp;&nbsp;$7498650.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**22** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$15891800.00** |

---

MFA 2025-NQM4 Due Diligence Narrative Report – PagE \| 17

![](ex9902001.jpg)

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;12 | &nbsp;&nbsp;54.55% | &nbsp;&nbsp;$7881000.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;10 | &nbsp;&nbsp;45.45% | &nbsp;&nbsp;$8010800.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**22** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$15891800.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$15891800.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**22** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$15891800.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$15891800.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**22** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$15891800.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Field** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total <br> Times <br> Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |

---

MFA 2025-NQM4 Due Diligence Narrative Report – PagE \| 18

![](ex9902001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 2 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 2 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer 2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;20 | &nbsp;&nbsp;95.00% |
| &nbsp;&nbsp;Date Last Rate Was Set | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;20 | &nbsp;&nbsp;95.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |

---

MFA 2025-NQM4 Due Diligence Narrative Report – PagE \| 19

![](ex9902001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;20 | &nbsp;&nbsp;95.00% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;20 | &nbsp;&nbsp;95.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;20 | &nbsp;&nbsp;95.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;12 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;20 | &nbsp;&nbsp;95.00% |

---

**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 or QM Report

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

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

MFA 2025-NQM4 Due Diligence Narrative Report – PagE \| 20

![](ex9902001.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.*© 2025 Clarifii LLC. All rights reserved.

MFA 2025-NQM4 Due Diligence Narrative Report – PagE \| 21

## Exhibit 99.02

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.02 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | XXXX | 85713 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6295.1 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 85711 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 85710 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 85714 | 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 | 8027.91 | 8.724 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9080.95 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 86061 | 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 | 1590 | 7.792 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35537.27 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 86132 | 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 | 13585.63 | 8.019 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32001.9 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 85719 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 85715 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 86139 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 85712 | 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 | 12973.77 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 85709 | 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 | 21896.89 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 85717 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | 24938.13 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 85716 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 24938.13 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 86137 | 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 | 9367 | 7.298 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4016.45 | Yes | Employed | Employed | No | No | No |  |
| XXXX | XXXX | 86134 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 85718 | 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 | 11235 | 7.824 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19388.91 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 85708 | 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 | 25515 | 7.337 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 19463.62 | Yes | Employed | Employed | No | No | No |  |
| XXXX | XXXX | 85703 | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1590 | 7.145 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 48660.79 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 86138 | 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 | 8495 | 7.045 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7078.81 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 86136 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 23673.32 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 86135 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 86140 | 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 |

---

## Exhibit 99.02

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.02 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXX | XXXX | 85713 | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 1600 | Appraisal - 1007 |  | N/A |  |  | 1600 | Appraisal - 1007 | No | 110.63 | 0 | 0 | 1770.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1600 |  |  |  |  |  |  |  | No | 5.2 | 1 | 1 | N/A | 37.81 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | XXXX | 85711 | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3710 | 3500 | Appraisal - 1007 |  | N/A |  |  | 3500 | Appraisal - 1007 | No | 61.51 | 1.62 | 1.626 | 2152.95 | 1385 | 11-30-2025 | 12 | 1275 | 05-31-2026 | 12 | 1050 | 08-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3500 |  |  |  |  |  |  |  | No | 3.5 | 2 | 1 | N/A | 23.39 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | XXXX | 85710 | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3745 | 3600 | Appraisal - 1007 |  | N/A |  |  | 3600 | Appraisal - 1007 | No | 60.68 | 1.64 | 1.648 | 2184.47 | 1365 | 11-30-2025 | 12 | 1385 | 05-01-2027 | 24 | 995 | 11-30-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3600 |  |  |  |  |  |  |  | No | 3.5 | 2 | 1 | N/A | 26.72 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | XXXX | 85719 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5200 | Appraisal - 1007 |  | N/A |  |  | 5200 | Appraisal - 1007 | No | 93.15 | 1.07 | 1.074 | 4843.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 5200 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 4.39 | No | XXXX | Revocable Trust | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | XXXX | 85715 | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3100 | 3500 | Appraisal - 1007 |  | N/A |  |  | 3100 | Actual In Place Rent | No | 128.43 | 0.77 | 0.779 | 3981.35 | 3100 | 05-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 3100 |  |  |  |  |  |  |  | No | 13.5 | 1 | 1 | N/A | 76.87 | No | XXXX | Revocable Trust | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | XXXX | 86139 | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4875 | 4500 | Appraisal - 1007 |  | N/A |  |  | 4500 | Appraisal - 1007 | No | 97.64 | 1.02 | 1.024 | 4393.8 | 4875 | 03-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4500 |  |  |  |  |  |  |  | No | 2.4 | 1 | 1 | N/A | 23.16 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | XXXX | 85712 | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 3800 | Appraisal - 1007 |  | N/A |  |  | 3800 | Appraisal - 1007 | No | 108.23 | 0.69 | 0 | 4112.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 5.36 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | XXXX | 85709 | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 4200 | Appraisal - 1007 |  | N/A |  |  | 4200 | Appraisal - 1007 | No | 158.6 | 0.42 | 0 | 6661.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 4200 |  |  |  |  |  |  |  | No | 1.2 | 1 | 1 | N/A | 30.19 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | XXXX | 85717 | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 8050 | Appraisal - 1025 |  | N/A |  |  | 8050 | Appraisal - 1025 | No | 81.94 | 0 | 0 | 6596.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 8050 |  |  |  |  |  |  |  | No | 1.9 | 2 | 1 | N/A | 22.59 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | XXXX | 85716 | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 8700 | Appraisal - 1025 |  | N/A |  |  | 8700 | Appraisal - 1025 | No | 76.92 | 0 | 0 | 6692.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 8700 |  |  |  |  |  |  |  | No | 2 | 2 | 1 | N/A | 22.76 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | XXXX | 86134 | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6100 | 6100 | Appraisal - 1025 |  | N/A |  |  | 6100 | Appraisal - 1025 | No | 87.77 | 1.13 | 1.139 | 5354.22 | 3600 | 07-28-2025 | 1 | 2500 | 07-28-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX | 50000 | 6100 |  |  |  |  |  |  |  | No | 0.5 | 1 | 1 | N/A | 15.75 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | XXXX | 86136 | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 6446 | Appraisal - 1025 |  | N/A |  |  | 6446 | Appraisal - 1025 | No | 100.32 | 0.83 | 0 | 6466.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 6446 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.52 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | XXXX | 86135 | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 8024 | Appraisal - 1025 |  | N/A |  |  | 8024 | Appraisal - 1025 | No | 68.2 | 1.46 | 1.466 | 5472.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 8024 |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 43.01 | No | XXXX | Revocable Trust | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | XXXX | 86140 | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2800 | 3200 | Appraisal - 1007 |  | N/A |  |  | 2800 | Actual In Place Rent | No | 83.78 | 1.19 | 1.194 | 2345.95 | 1200 | 07-31-2026 | 12 | 0 | 08-15-2025 | 1 | 1600 | 07-17-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2800 |  |  |  |  |  |  |  | No | 1.1 | 1 | 1 | N/A | 34.87 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |

---

## Exhibit 99.02

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.02 - Schedule 3**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | XXXX | 86137 | XXXX | Verified Doc Type | employmentIncomePage | 2YR Full Doc | 12 Mo. Business Bank Statements | Primary wage-earner is W2'd; 2 yrs income docs provided |
| XXXX | XXXX | 86134 | XXXX | Qualifying LTV | propertyValuationPage | 73.46 | 65.00 | Per prior purchase price plus documented improvements. |
| XXXX | XXXX | 86134 | XXXX | Qualifying CLTV | propertyValuationPage | 73.46 | 65.00 | Per prior purchase price plus documented improvements. |
| XXXX | XXXX | 85708 | XXXX | Final Reviewed QM Status | diligenceFinalLookPage | XXXX | XXXX | Primary Residence not exempt |
| XXXX | XXXX | 85703 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 5 | 1 | Per 1003 |
| XXXX | XXXX | 86138 | XXXX | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal Report |
| XXXX | XXXX | 86138 | XXXX | Date Last Rate Was Set | tridLePageRevised | XXXX | XXXX | Per Rate Lock Agreement |
| XXXX | XXXX | 86138 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.73 | 26.39 | Audit included departing home in DTI |
| XXXX | XXXX | 86136 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 0.83 | not dscr-ALT DOC SELECT |
| XXXX | XXXX | 86136 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.61 | 46.91 | Recalculation of REO properties |

---

## Exhibit 99.02

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.02 - Schedule 4**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Original Loan Amount** |
| XXXX | XXXX | 85713 | XXXX C A B |
| XXXX | XXXX | 85711 | XXXX A |
| XXXX | XXXX | 85710 | XXXX A |
| XXXX | XXXX | 85714 | XXXX A |
| XXXX | XXXX | 86061 | XXXX A |
| XXXX | XXXX | 86132 | XXXX C A |
| XXXX | XXXX | 85719 | XXXX A |
| XXXX | XXXX | 85715 | XXXX A |
| XXXX | XXXX | 86139 | XXXX D A |
| XXXX | XXXX | 85712 | XXXX D A B |
| XXXX | XXXX | 85709 | XXXX A |
| XXXX | XXXX | 85717 | XXXX D A |
| XXXX | XXXX | 85716 | XXXX D A |
| XXXX | XXXX | 86137 | XXXX D A B |
| XXXX | XXXX | 86134 | XXXX D A |
| XXXX | XXXX | 85718 | XXXX A C |
| XXXX | XXXX | 85708 | XXXX A |
| XXXX | XXXX | 85703 | XXXX A |
| XXXX | XXXX | 86138 | XXXX A |
| XXXX | XXXX | 86136 | XXXX D A |
| XXXX | XXXX | 86135 | XXXX A |
| XXXX | XXXX | 86140 | XXXX A |

---

## Exhibit 99.02

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.02 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | 11000047 | XXXX C B A | Closed | FCRE1194 | 2025-07-23 11:55 | 2025-07-24 15:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator provided a waiver 80% LTV on investment cash out transaction, applied to non material finding with comp factors - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-07/23/2025 <br>Open-Audited LTV of 77.48% exceeds Guideline LTV of 75%. Occupancy Restrictions - Investment (max LTV for cashout is 75%). - Due Diligence Vendor-07/23/2025 |  | Waived-Originator provided a waiver 80% LTV on investment cash out transaction, applied to non material finding with comp factors - Due Diligence Vendor-07/24/2025<br>| Months Reserves exceed minimum required - 37.81 mos reserves; 3 mos required<br>Qualifying FICO score is at least 20 points above minimum for program - 708 FICO exceeds min required of 660 | FICO score above program min by 20 points or higher<br> Residual income $1,000 above program minimum<br> Reserves: 28 months. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4919974 |
| XXXX | 11000041 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 11000039 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 11000048 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 10005730 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Refinance | Cash Out - Other |  |  |  |
| XXXX | 11000163 | XXXX C A | Closed | FCRE1509 | 2025-07-25 17:09 | 2025-07-30 13:28 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Originator NMLS# on the Note. - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Document Uploaded. All the required NMLS #s are on the note and this should be acceptable. See attached. - Buyer-07/30/2025 <br>Open-There are Issues Present on the Note that must be addressed. Lender NMLS# not listed on Note. - Due Diligence Vendor-07/25/2025 |  | Resolved-Originator NMLS# on the Note. - Due Diligence Vendor-07/30/2025<br>| Qualifying DTI below maximum allowed - DTI = 31.25% - Max DTI = 45.00%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 735 Min FICO = 660 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4954401 |
| XXXX | 11000060 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 11000052 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 11000177 | XXXX D A | Closed | FCRE1201 | 2025-08-01 10:42 | 2025-08-11 15:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Document Uploaded. Proof provided the borrower is not on the Note for her primary residence. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-A pre-foreclosure is not supported, nothing shows this anywhere but XXXX – borrower is only on title therefore a pre-foreclosure would not apply to her anyway. The property profile shows no active liens. - Buyer-08/11/2025 <br> Counter-Received fraud report-reflects pre foreclosure on primary residence-provide clarification as borrower is on title. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-08/01/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-08/01/2025 |  | Resolved-Document Uploaded. Proof provided the borrower is not on the Note for her primary residence. - Due Diligence Vendor-08/11/2025<br>| LTV is less than guideline maximum - LTV is 60% and max allowed is 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 721 and minimum allowed is 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5021999 |
| XXXX | 11000046 | XXXX D B A | Closed | FCRE1325 | 2025-08-04 09:16 | 2025-08-05 13:35 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Waived-Originator provided a waiver for 25% expense ratio without tax preparer confirmation, applied to non material finding with comp factors - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Please see attached exception for Missing CPA letter to verify expense ratio , and 25% Expense ratio for selling Goods with Zero employee is reasonable - Buyer-08/04/2025 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-08/04/2025 <br> Ready for Review-25% Expense based on Expense Table - Buyer-08/04/2025 <br> Open-Borrower 1 CPA Letter Missing CPA Ltr needed to determine Exp Ratio % - Due Diligence Vendor-08/04/2025 |  | Waived-Originator provided a waiver for 25% expense ratio without tax preparer confirmation, applied to non material finding with comp factors - Due Diligence Vendor-08/05/2025<br>| Months Reserves exceed minimum required - 5 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620, Bwr FICO 716 | Residual income $1,000.00 above the program min, required.<br> FICO score above program minimum by 20 points or higher<br> Current employment >48 months verified. <br> Borrower down payment exceeds 10% of own funds | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 5038313 |
| XXXX | 11000036 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 11000058 | XXXX D A | Closed | FCRE7497 | 2025-08-06 14:22 | 2025-08-11 15:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Document Uploaded. Received PCCD for 3D. REO worksheet updated. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Please see attached and that was in the credit pacage - Buyer-08/11/2025 <br> Counter-Received CD for 3c. Missing taxes and HOI for 3d - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. Please see attached for XXXX. REO 3C - Buyer-08/06/2025 <br> Open-Missing Info for REO's -3C (Need Mtg Stmt) -3D (Missing T&I) - Due Diligence Vendor-08/06/2025 |  | Resolved-Document Uploaded. Received PCCD for 3D. REO worksheet updated. - Due Diligence Vendor-08/11/2025<br>| Months Reserves exceed minimum required - 22 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 787 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5079449 |
| XXXX | 11000057 | XXXX D A | Closed | FCRE7497 | 2025-08-07 08:26 | 2025-08-11 15:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Document Uploaded. PCCD provided for 3d. REO calc updated. - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-08/11/2025 <br>Counter-Received mortgage statement for 3c. Missing taxes and HOI for 3d. - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. Please see attached showing no late charge - Buyer-08/07/2025 <br>Open-Missing Info for REO's -3C (Need Mtg Stmt) -3D (Missing T&I) - Due Diligence Vendor-08/07/2025 |  | Resolved-Document Uploaded. PCCD provided for 3d. REO calc updated. - Due Diligence Vendor-08/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 787<br>Months Reserves exceed minimum required - 22 mths reserves; 3 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5089484 |
| XXXX | 11000175 | XXXX D B A | Closed | FCRE1193 | 2025-08-08 16:32 | 2025-08-14 17:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Originator waiver applied to non material finding with compensating factors. - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-08/14/2025 <br> Counter-Received CTEC attestation with expense factor blank. Please provide confirmation from tax preparer of 15% expense factor and upload dti exception. - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. Please see attached , and 15% Expense ratio for XXXX is reasonable - Buyer-08/11/2025 <br> Open-Audited DTI of 49.79% exceeds Guideline DTI of 43% FTHB - max at 43%. - Due Diligence Vendor-08/08/2025 |  | Waived-Originator waiver applied to non material finding with compensating factors. - Due Diligence Vendor-08/14/2025<br>| LTV is less than guideline maximum - 80% maximum LTV - 69.41% loan LTV<br>Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO - borrower has 765 FICO | XXXX fico<br> 10% down payment of own funds<br> 69.142 LTV<br> $4,000 in residual income. | 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 | 5117987 |
| XXXX | 11000175 | XXXX D B A | Closed | FCRE1964 | 2025-08-08 17:10 | 2025-08-14 17:32 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing income documentation | Waived-Originator waiver applied to non material finding with compensating factors. - Due Diligence Vendor-08/14/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-08/14/2025 <br>Counter-Received DTI exception-missing tax preparer validation of 15% expense factor. - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-08/11/2025 <br>Open-Missing tax preparer letter stating that a 15% expense factor was to be used. - Due Diligence Vendor-08/08/2025 |  | Waived-Originator waiver applied to non material finding with compensating factors. - Due Diligence Vendor-08/14/2025<br>| LTV is less than guideline maximum - 80% maximum LTV - 69.41% loan LTV<br>Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO - borrower has 765 FICO | XXXX fico<br> 10% down payment of own funds<br> 69.142 LTV<br> $4,000 in residual income | 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 | 5118691 |
| XXXX | 11000170 | XXXX D A | Closed | FCRE3653 | 2025-08-06 08:56 | 2025-08-12 17:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received payment history confirming 0x30. - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. Please be advised we have a VOM and payment was always made on time. We do not need an LOE. - Buyer-08/11/2025 <br>Open-Missing letter of explanation for late fees reflecting on the subject payoff. - Due Diligence Vendor-08/06/2025 |  | Resolved-Received payment history confirming 0x30. - Due Diligence Vendor-08/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 721 FICO; 700 minimum<br>Months Reserves exceed minimum required - 15.75 mos reserves; 6 mos required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5072049 |
| XXXX | 11000059 | XXXX C A | Closed | finding-3634 | 2025-08-05 12:21 | 2025-08-12 08:16 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received updated COC dated XXXX reflecting change in origination fee. Finding resolved. - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. Please see attached COC , and that was in the credit package , - Buyer-08/11/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX. Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). .....Zero (0%) tolerance fees increased by XXXX (Loan 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 XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-08/05/2025 |  | Resolved-Received updated COC dated XXXX reflecting change in origination fee. Finding resolved. - Due Diligence Vendor-08/12/2025 | Qualifying DTI below maximum allowed - DTI = 44.87% - Max DTI = 50.00%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 720 Min FICO = 700 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5060272 |
| XXXX | 11000034 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 10005797 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 11000176 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 11000172 | XXXX D A | Closed | FCOM1351 | 2025-08-21 06:41 | 2025-08-29 09:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement executed as individual. - Due Diligence Vendor-08/29/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-08/27/2025 <br>Counter-Received corrected Guaranty Agreement-Member is not initialed on 1st page and signature page. - Due Diligence Vendor-08/22/2025 <br>Ready for Review-Document Uploaded. Please find attached. - Buyer-08/21/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Partial'. B1 signed Guaranty Agreement as "member" should be signed as an individual. - Due Diligence Vendor-08/21/2025 |  | Resolved-Received Guaranty Agreement executed as individual. - Due Diligence Vendor-08/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - <br> FICO = 787 Min FICO = 660<br>Months Reserves exceed minimum required - Reserves = 11.52 months – Required Reserves = 6 Months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5261313 |
| XXXX | 11000172 | XXXX D A | Closed | FCRE5790 | 2025-08-19 07:32 | 2025-08-22 16:57 | Resolved | 1 - Information C 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-08/22/2025 <br>Ready for Review-Document Uploaded. Please see attached revised 1008 and credit refresh. - Buyer-08/21/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap Credit Report within 10 days of closing is absent the loan file. - Due Diligence Vendor-08/19/2025 |  | Resolved-Received credit refresh. - Due Diligence Vendor-08/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - <br> FICO = 787 Min FICO = 660<br>Months Reserves exceed minimum required - Reserves = 11.52 months – Required Reserves = 6 Months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5224446 |
| XXXX | 11000171 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 11000178 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |

---

## Exhibit 99.02

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.02 - Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 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 | 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 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 |
| **Loan ID** | **Seller Loan ID** | **Redaction 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** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **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** |
| XXXX | XXXX | 85713 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/11/2024 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.490% |  | XXXX | No |  | XXXX | XXXX | $1356.72 | $113.06 | $0.00 | $0.00 | $0.00 | $1770.08 | $6295.10 | N/A |  |  | $0.00 |  |  | 0.00% | 49.82% | 49.82% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | No | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 05/06/2025 | 05/06/2025 |  |  |  | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 37.8 | No | 77.48 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 85711 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/18/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.990% |  | XXXX | No |  | XXXX | XXXX | $1218.96 | $101.58 | $0.00 | $0.00 | $0.00 | $2152.95 |  | 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 | 1.626 | 1.62 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/04/2025 | 06/04/2025 |  |  |  | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 23.4 | No | 74.39 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 85710 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/18/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.990% |  | XXXX | No |  | XXXX | XXXX | $2079.36 | $173.28 | $0.00 | $0.00 | $0.00 | $2184.47 |  | 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 | 1.648 | 1.64 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/04/2025 | 06/04/2025 |  |  |  | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 26.7 | No | 74.39 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 85714 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/11/2024 | 3 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 8027.91 | 07/07/2025 | 6.670% |  |  | No | 8.724% |  | 8.375% |  | XXXX | No |  | XXXX | XXXX | $699.00 | $58.25 | $0.00 | $0.00 | $0.00 | $4784.69 | $9080.95 | N/A |  |  | $0.00 |  |  | 0.00% | 40.27% | 40.27% | 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% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/02/2025 | 05/02/2025 |  |  |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 14.6 | XXXX | 14.6 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 86061 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Interest Only | 1590 | 07/07/2025 | 6.670% |  |  | No | 7.792% |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | $8004.96 | $667.08 | $5496.00 | $458.00 | $0.00 | $11689.68 | $35537.27 | N/A | XXXX | XXXX | $458.00 |  | Monthly | 0.00% | 32.06% | 28.16% | 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 - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 06/17/2025 | 06/17/2025 |  |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 21.2 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 86132 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/11/2024 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 13585.63 | 07/14/2025 | 6.750% |  |  | No | 8.019% |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $3017.04 | $251.42 | $0.00 | $0.00 | $0.00 | $11887.10 | $32001.90 | N/A |  |  | $0.00 |  |  | 0.00% | 32.01% | 32.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 1 | 12 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/19/2025 | 05/19/2025 |  |  |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 11.9 | XXXX | 11.9 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 85719 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/18/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | $1658.04 | $138.17 | $0.00 | $0.00 | $0.00 | $4843.58 |  | 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 | 1.074 | 1.07 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 05/21/2025 | 05/21/2025 |  |  |  | 815 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 4.4 | XXXX | 4.4 | No | 63.02 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | XXXX | 85715 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/18/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $683.64 | $56.97 | $0.00 | $0.00 | $0.00 | $3981.35 |  | 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 | 0.779 | 0.77 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/30/2025 | 06/30/2025 |  |  |  | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.3 | XXXX | 76.9 | No | 66 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | XXXX | 86139 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/18/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $799.08 | $66.59 | $1380.00 | $115.00 | $0.00 | $4393.80 |  | N/A | XXXX | XXXX | $115.00 |  | 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 | 1.024 | 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 | 07/09/2025 | 07/09/2025 |  |  |  | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 23.2 | No | 60 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 85712 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/11/2024 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $960.96 | $80.08 | $0.00 | $0.00 | $0.00 | $4112.92 | $12973.77 | N/A |  |  | $0.00 |  |  | 0.00% | 46.17% | 46.17% | 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 |  |  |  | Missing | 0 | 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), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 03/04/2025 | 03/04/2025 |  |  |  | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 5.4 | XXXX | 5.4 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 85709 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/11/2024 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $1969.92 | $164.16 | $0.00 | $0.00 | $0.00 | $6661.17 | $21896.89 | N/A |  |  | $0.00 |  |  | 0.00% | 43.01% | 43.01% | Yes |  |  |  |  |  |  |  | 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 | 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, Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/24/2025 | 06/24/2025 |  |  |  | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 30.2 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 85717 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/11/2024 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.490% |  | XXXX | No |  | XXXX | XXXX | $2481.36 | $206.78 | $0.00 | $0.00 | $0.00 | $6596.37 | $24938.13 | N/A |  |  | $0.00 |  |  | 0.00% | 46.91% | 46.91% | 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, 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) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/01/2025 | 07/01/2025 |  |  |  | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.6 | XXXX | 22.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 85716 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/11/2024 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.490% |  | XXXX | No |  | XXXX | XXXX | $1810.56 | $150.88 | $0.00 | $0.00 | $0.00 | $6692.21 | $24938.13 | N/A |  |  | $0.00 |  |  | 0.00% | 46.91% | 46.91% | 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, 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) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/01/2025 | 07/01/2025 |  |  |  | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.5 | XXXX | 22.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 86137 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/11/2024 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 9367 | 07/07/2025 | 6.670% |  |  | No | 7.298% |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $738.96 | $61.58 | $0.00 | $0.00 | $0.00 | $2539.55 | $4016.45 | N/A |  |  | $0.00 |  |  | 0.00% | 49.79% | 49.79% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 12 | 0 | 35.93% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/02/2025 | 07/02/2025 | 07/02/2025 |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7.6 | XXXX | 7.6 | No | 69.41 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 86134 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/18/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $2310.96 | $192.58 | $0.00 | $0.00 | $0.00 | $5354.22 |  | 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 | 1.139 | 1.13 |  | 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 | 07/07/2025 | 07/07/2025 | 07/07/2025 |  |  | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.5 | XXXX | 15.8 | No | 73.46 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 85718 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/11/2024 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 11235 | 07/21/2025 | 6.790% |  |  | No | 7.824% |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | $6994.20 | $582.85 | $0.00 | $0.00 | $0.00 | $14276.09 | $19388.91 | N/A |  |  | $0.00 |  |  | 0.00% | 44.87% | 44.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/05/2025 | 06/05/2025 |  |  |  | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 1.8 | XXXX | 10.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 85708 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/11/2024 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 25515 | 07/28/2025 | 6.750% |  |  | No | 7.337% |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | $3059.28 | $254.94 | $0.00 | $0.00 | $0.00 | $12625.30 | $19463.62 | N/A |  |  | $0.00 |  |  | 0.00% | 49.70% | 49.70% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 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 | 30 | 30 | FNMA 1005 | Yes | 31 | 31 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/15/2025 | 07/15/2025 | 07/15/2025 |  |  | 806 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 28.7 | XXXX | 28.7 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | XXXX | 85703 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | 07/21/2025 | 6.790% |  |  | No | 7.145% |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | $8004.84 | $667.07 | $0.00 | $0.00 | $0.00 | $13190.63 | $48660.79 | N/A |  |  | $0.00 |  |  | 0.00% | 38.51% | 38.51% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 45.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, 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) - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 06/27/2025 | 06/27/2025 |  |  |  | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 14.3 | XXXX | 14.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 86138 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/11/2024 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 8495 | 07/21/2025 | 6.790% |  |  | No | 7.045% |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $1185.96 | $98.83 | $1596.00 | $133.00 | $0.00 | $2761.37 | $7078.81 | N/A | XXXX | XXXX | $133.00 | 08/08/2025 | Monthly | 0.00% | 44.73% | 44.73% | 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 | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/06/2025 | 07/06/2025 |  |  |  | 809 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 38.2 | XXXX | 38.2 | No | 50 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 86136 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/11/2024 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $2755.92 | $229.66 | $0.00 | $0.00 | $0.00 | $6466.63 | $23673.32 | N/A |  |  | $0.00 |  |  | 0.00% | 49.61% | 49.61% | 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 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/01/2025 | 07/01/2025 |  |  |  | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 11.5 | XXXX | 11.5 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | XXXX | 86135 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/18/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | XXXX | No |  | XXXX | XXXX | $3600.00 | $300.00 | $0.00 | $0.00 | $0.00 | $5472.71 |  | 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 | 1.466 | 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 | 05/13/2025 | 05/13/2025 |  |  |  | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 42.9 | XXXX | 43 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | XXXX | 86140 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/18/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $1485.00 | $123.75 | $0.00 | $0.00 | $0.00 | $2345.95 |  | 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 | 1.194 | 1.19 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 07/09/2025 | 07/09/2025 |  |  |  | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 34.9 | No | 61.11 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.02

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.02 - Schedule 7**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | XXXX | 85713 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 77.48 | 77.48 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXX |
| XXXX | XXXX | 85711 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 74.39 | 74.39 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 85710 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 74.39 | 74.39 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 85714 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXX |
| XXXX | XXXX | 86061 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | XXXXX |
| XXXX | XXXX | 86132 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXX |
| XXXX | XXXX | 85719 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 63.02 | 63.02 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXXX |
| XXXX | XXXX | 85715 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 66.0 | 66.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXXX |
| XXXX | XXXX | 86139 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXX |
| XXXX | XXXX | 85712 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXX |
| XXXX | XXXX | 85709 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXXX |
| XXXX | XXXX | 85717 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 85716 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0452 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0452 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 86137 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.41 | 69.41 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXX |
| XXXX | XXXX | 86134 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 73.46 | 73.46 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 85718 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXXX |
| XXXX | XXXX | 85708 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXX |
| XXXX | XXXX | 85703 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  |  |
| XXXX | XXXX | 86138 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXX |
| XXXX | XXXX | 86136 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 86135 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 86140 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 61.11 | 61.11 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.03

**Exhibit 99.03**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on newly originated residential mortgage loans acquired by MFA Financial, Inc. The review included a total of 244 newly originated residential mortgage loans, in connection with the securitization identified as MFA 2025-NQM5 (the "Securitization"). The Review was conducted from August 2024 through October 2025 on mortgage loans originated between November 2021 and September 2025.

**Scope of Review**

**Credit Review**

Consolidated Analytics performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The Credit Review attempted to confirm the following:

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

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

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

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

● Validate all concurrent loans are included in the DTI to properly assess the ability to repay

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage
 Related Obligations: PITI, HOA, PMI, etc.

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

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

● Validate monthly recurring liabilities

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

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

● Documentation meets Appendix Q requirements for QM Loans

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

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

● Determine representative credit score from credit report

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm
 sufficient evidence in loan file, by reviewing the underwriter's decision to approve
 the loan based upon the borrows income, debt, and credit history, to support borrower's
 willingness and ability to repay the debt

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 condominium questionnaire to verify all information is complete, prepared by an authorized
 representative, and address any red flags that may deem condominium project ineligible

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing
 for First Lien Loans:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing
 for Subordinate Lien Loans:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Pricing
 for Manufactured Homes:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Consider
 Income and Assets:

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

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

○ The monthly DTI or residual income.

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

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

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

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

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

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

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

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

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

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Test
 Loan Estimate(s) for accuracy and completeness as well as timing requirements as required
 by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;b. Test
 Closing Disclosure(s) for accuracy and completeness as well as timing requirements as
 required by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;c. Tolerance
 Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 Loan Estimate and Closing Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Identify
 Tolerance Violations and applicable cost to cure

&nbsp;&nbsp;&nbsp;&nbsp;d. Comprehensive
 review of Closing Disclosure to determine transaction accuracy

&nbsp;&nbsp;&nbsp;&nbsp;e. Recalculation
 of APR and Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;f. Testing
 of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 High Cost Mortgage provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Federal
 Higher Priced Mortgage Loans provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Local
 and/or State Anti-predatory and High Cost provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. HOEPA
 Points and Fees

&nbsp;&nbsp;&nbsp;&nbsp;g. Determine
 whether specified federal disclosures were provided timely based upon comparison of the
 application date to the dates on such disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Service
 Provider List

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Home
 Ownership Counselling Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. ARM
 Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;h. Compliance
 with QM as it relates to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR
 Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Points
 & Fees Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 Penalty Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Product
 Eligibility Testing

&nbsp;&nbsp;&nbsp;&nbsp;i. Notice
 of Right to Cancel (Rescission) Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 transaction date, expiration date, and disbursement date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Confirm
 document is properly executed by all required parties to the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the correct Right of Rescission document was executed for the transaction type

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm
 through NMLS the loan originator and originating firm's license status was active
 and properly disclosed on appropriate loan documents

&nbsp;&nbsp;&nbsp;&nbsp;k. Check
 the Loan participants against the exclusionary list provided by Client or by the purchaser
 of the Loan(s)

&nbsp;&nbsp;&nbsp;&nbsp;l. Review
 closing documents to ensure that the Mortgage Loan information is complete, accurate,
 and consistent with other documents; Confirm collateral documents have been recorded
 or sent for recording

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consolidated Analytics are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Consolidated Analytics is relying in reaching such findings.

**Valuation Review**

Consolidated Analytics performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 original appraisal, determination that property is in "average" condition
 or better, or property requires cosmetic improvements (as defined by the appraiser) that
 do not affect habitability. Should an area of concern be identified with the condition
 of the property, Consolidated Analytics will alert Client.

&nbsp;&nbsp;&nbsp;&nbsp;b. Review
 appraisal, determination that property is completely constructed and appraisal is on
 an "as is basis," or property is identified as not completely constructed
 by originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 and determine if the appraisal report was performed on appropriate GSE forms and if the
 appraiser indicated in the body of the subject appraisal that the appraisal conforms
 to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;d. Review
 and determine the relevance of the comparable properties and ensure that a rational and
 reliable value was provided and supported as of the effective date of the Origination
 Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;e. Review
 adjustments (line item, net and gross adjustments) to ensure they are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;f. Ensure
 that the appraisal conforms to the guidelines provided from the Client.

&nbsp;&nbsp;&nbsp;&nbsp;g. Review
 appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;h. Review
 location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;i. Ensure
 highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm
 there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;k. Ensure
 subject property does not suffer any functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;l. Where
 applicable, determine if the file did not contain the appraisal or other valuation method
 and a review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;m. Additional
 valuation products were not required when the CU score provided was 2.5 or below or the
 appraisal LCA risk score was eligible for Collateral Rep and Warranty relief. In the
 event the CU score was greater than 2.5 or the LCA score was not eligible for R&W
 relief, an additional valuation product was obtained to confirm value was supported within
 10% tolerance. In some instances, based on 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 (244 loans in total):

Three (3) loans had a Secondary Appraisal, zero (0) loans had an AVM, one (1) loan had a Field Review, zero (0) loans had an Exterior Only Appraisal Review, and one hundred and seventeen (117) loans had Desktop Reviews.

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.

Two (2) loans had a Field Review or BPO, zero (0) loans had a Second Desk Review, and zero (0) loans had a Full Appraisal Review, all of which supported value.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the two hundred forty-four (244) mortgage loans reviewed, seventy (70) unique mortgage loans (28.69% by loan count) had a total of ninety-three (93) discrepancy across eighteen (18) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy**<br> **Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Monthly Total Escrow Payment | &nbsp;&nbsp;18 | &nbsp;&nbsp;19.35% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;17 | &nbsp;&nbsp;18.28% |
| &nbsp;&nbsp;Borrower Appraisal Receipt Date | &nbsp;&nbsp;14 | &nbsp;&nbsp;15.05% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;10 | &nbsp;&nbsp;10.75% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;8 | &nbsp;&nbsp;8.60% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;7 | &nbsp;&nbsp;7.53% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;4.30% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.15% |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.15% |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.15% |
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.15% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.08% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.08% |
| &nbsp;&nbsp;Prepayment Penalty Calculation | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.08% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.08% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.08% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.08% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.08% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**93** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of<br> Sample |
| Event Grade A | 197 | $85640159.00 | 80.74% |
| Event Grade B | 47 | $26420725.00 | 19.26% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 244 | $112060884.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 202 | 82.79% |
| Event Grade B | 42 | 17.21% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 244 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results (As applicable, 66 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 66 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 66 loans within population did not receive a Compliance Review):** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 176 | 98.88% |
| Event Grade B | 2 | 1.12% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 178 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 236 | 96.72% |
| Event Grade B | 8 | 3.28% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 244 | 100.00% |

---

 **Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception<br> Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;117 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;All Interested Parties Not Checked with Exclusionary Lists | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Deed Missing or Defective | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Closing Documentation Missing or Defective | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Borrower residency documentation not provided or issue with documentation | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Closing Protection Letter Missing or Defective | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Borrower 2 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Insufficient Assets to Close | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Approval/Underwriting Summary Partially Provided | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Flood Certificate Missing | &nbsp;&nbsp;2 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Hazard Insurance Policy is Partial | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Cash Out Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Missing income documentation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Missing Lease Agreement | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Asset 5 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Loan Agreement Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Insufficient Assets for Reserves | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing evidence of self employment | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing VVOE dated within 10 days consummation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Guarantor Identification Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Personal Guaranty Agreement Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Guideline Seasoning not Met | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Rent Loss Insurance Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 CPA Letter Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 3 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;HO6 Master Insurance Policy is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower Non-US Citizen Identification Document Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Letter of Explanation (Income) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;OFAC Check Not Completed and/or Cleared | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Payment History | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Potential Ownership issues identified in file | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Personal Guaranty | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Purchase is not considered to be an Arm's Length Transaction | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Taxpayer First Act Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 W2/1099 Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Divorce Decree | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 2 Lease Agreements Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Letter of Explanation (Assets) | &nbsp;&nbsp;1 |

---

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;Missing Letter of Explanation (Credit) | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Ineligible Property | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**264** |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Approval/Underwriting Summary Partially Provided | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Audited Loan Amount is greater than Guideline Maximum Loan Amount | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Minimum Loan Amount Not Met | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Missing Letter of Explanation (Assets) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Audited FICO is less than Guideline FICO | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Audited Interested Party Contribution Exceeds Guideline Program Maximum | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Asset 1 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Non-Arms Length Transaction | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;DSCR is less than guideline minimum | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Audited Loan Amount is less than Guideline Minimum Loan Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Maximum Loan Amount Exceeded | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Purchase is not considered to be an Arm's Length Transaction | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Missing Business Entity Formation Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Borrower 1 CPA Letter Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;**75** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;131 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Revised Loan Estimate Delivery Date Test (prior to consummation) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;CA Per Diem Interest Amount Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;NC Rate Spread Home Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Qualified Mortgage Safe Harbor Threshold | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**170** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;**3** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;158 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Appraisal Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Ineligible Property | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Appraisal is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Subject property appraisal is not on an as-is basis (Primary Value) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Deed Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Appraisal is Expired | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;HOA Questionnaire is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;**195** |
|  | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Condo Approval Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Property Issue(s) are Present | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;**B** | &nbsp;&nbsp;HOA Does Not Meet Guidelines | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;1 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;HOA Questionnaire is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Non-Occupant Borrower Requirements Not Met | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;**8** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.03

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.03 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **MFA Loan ID** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| 85670 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/10/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR ##_CW_##, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85670 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85670 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85667 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCRE2501 | Credit | Personal Guaranty Agreement Incomplete | Personal Guaranty Incomplete. - Guaranty agreement reflects Borrower as an Individual - XXX, rather than matching the Note reflects a Business - XXX | This document is executed correctly. Personal Guaranty is signed by the individual, not the business entity. | 06/11/2025 | Document is executed correctly. Personal Guaranty is signed by the individual, not the business entity. Exception Resolved.; Personal Guaranty provided. | 07/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 85667 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 85667 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 85673 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85673 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85673 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85668 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/12/2025 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | Missing receipt of first months rent and security deposit for subject property, as the lease is new. Required per lender guidelines. | Document Uploaded. | 06/16/2025 | Documentation provided is sufficient. Exception resolved. | 06/17/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 85668 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/12/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing letter of explanation for credit inquiries: XX/XX/XXXX XXX; XX/XX/XXXX Elan Financi. Required per lender guidelines. | Document Uploaded. | 06/16/2025 | Documentation provided is sufficient. Exception resolved. | 06/17/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 85668 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/12/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 85668 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/12/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 85671 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/11/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOEs for borrower from XXX and XXX within XXX days of the note date. VVOEs provided were verified on XX/XX/XXXX and the note date is XXX/XXX/XXX. Lender to provide updated VVOEs for XXX and XXX. | Document Uploaded. | 06/16/2025 | Documentation provided is sufficient. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 07/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 85671 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 85671 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 85679 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/11/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Finding: Total subject PITIA is $XXX. Non-Occupying Co-Borrower expenses for primary residence PITIA($XXX) and REO net rental loss($XXX) are $XXX. Total Other Monthly Payments reflected in the credit file are, $XXX. Total back-end DTI expense, $XXX/$XXX total income=XXX%. Maximum DTI for a Non-Occupant Co-Borrower is XXX% | Document Uploaded. ; Document Uploaded. | 06/16/2025 | Documentation provided is sufficient. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Borrower 1 total debts per credit report is XXX and not XXX per rebuttal document attached. It appears XXX #XXX debt with monthly payment of XXX was excluded from your total amount for Borrower 1. Please provide reason for the exclusion. Exception remains. | 07/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 90% is less than Guideline CLTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 90% is less than Guideline CCLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 85679 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 33.33% is less than Guideline LTV of 33.33% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.33% is less than Guideline CLTV of 33.33% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 85679 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 33.33% is less than Guideline LTV of 33.33% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.33% is less than Guideline CLTV of 33.33% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 85683 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.33% is less than Guideline LTV of 33.33% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.33% is less than Guideline CLTV of 33.33% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85683 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.33% is less than Guideline LTV of 33.33% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.33% is less than Guideline CLTV of 33.33% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85683 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 85% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 85% is less than Guideline CLTV of 85% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86064 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 06/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 85% is less than Guideline CLTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 85% is less than Guideline CCLTV of 85% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86064 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 06/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 85% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 85% is less than Guideline CLTV of 85% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86064 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 06/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 43.96% is less than Guideline LTV of 43.96% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.96% is less than Guideline CLTV of 43.96% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85681 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/12/2025 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided Hazard policy with XXX States that it does not cover Fire. Per lender guidelines coverage must include Fire. | Document Uploaded. | 06/17/2025 | Hazard Insurance Policy is fully present; Documentation provided is sufficient. Exception resolved. | 07/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 85681 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/13/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 85681 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/13/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 85672 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 43.96% is less than Guideline LTV of 43.96% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.96% is less than Guideline CLTV of 43.96% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85672 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 43.96% is less than Guideline LTV of 43.96% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.96% is less than Guideline CLTV of 43.96% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85672 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 31.91% is less than Guideline LTV of 31.91% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.91% is less than Guideline CLTV of 31.91% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85675 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/13/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85675 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/13/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85675 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/13/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85674 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85674 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85674 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85676 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/13/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §2948.5) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 06/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85676 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/13/2025 | Resolved | finding-2261 | Compliance | XXX rate Spread Home Loan Test | This loan failed the XXX rate spread home loan test. (NC GS §XXX-11F(a)(XXX) he loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. Dup Finding |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 06/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85676 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85676 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85677 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/13/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Appraisal reflects zoning as Legal Nonconforming but the appraiser did not comment if it can be rebuilt. Per lender guidelines: Legal non-conforming zoned properties must indicate that the subject property can be rebuilt if severely damaged or destroyed. | Document Uploaded. | 06/18/2025 | Property/Appraisal Meets Guidelines; Documentation provided is sufficient. Exception resolved. | 07/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 85677 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 85677 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 85669 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.91% is less than Guideline CLTV of 31.91% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.91% is less than Guideline CCLTV of 31.91% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85669 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.91% is less than Guideline LTV of 31.91% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.91% is less than Guideline CLTV of 31.91% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85669 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.86% is less than Guideline LTV of 41.86% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.86% is less than Guideline CLTV of 41.86% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85682 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85682 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85682 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85678 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85678 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85678 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85680 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85680 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85680 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86054 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 06/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86054 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 06/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86054 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 06/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86063 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 06/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.86% is less than Guideline CLTV of 41.86% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.86% is less than Guideline CCLTV of 41.86% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86063 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 06/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.86% is less than Guideline LTV of 41.86% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.86% is less than Guideline CLTV of 41.86% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86063 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 06/23/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 48.13% is less than Guideline CLTV of 48.13% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 48.13% is less than Guideline CCLTV of 48.13% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85699 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/19/2025 | Acknowledged | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The loan qualified using a WVOE and XXX's for the borrowers income documentation. WVOE and XXX documentation is not permitted under the WayFinder ITIN NonQM program. An exception for the WVOE was granted. | Document Uploaded. Please see attached exception | 06/25/2025 | Lender Exception approval for: Deviation from ITIN documentation guidance, exception approved to utilize WVOE, along with 1040s & transcripts validating ITIN, Compensating Factor: 42% LTV and DTI > XXX% below program requirement. | 06/26/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 48.13% is less than Guideline CCLTV of 48.13% \| Qualifying DTI below max allowed. \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 48.13% is less than Guideline CCCLTV of 48.13% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 85699 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 06/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 48.13% is less than Guideline CLTV of 48.13% \| Qualifying DTI below max allowed. \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 48.13% is less than Guideline CCLTV of 48.13% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 85699 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 06/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 48.13% is less than Guideline LTV of 48.13% \| Qualifying DTI below max allowed. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.13% is less than Guideline CLTV of 48.13% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86055 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/27/2025 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing | Document Uploaded. Please see attached HOCL. | 07/01/2025 | Homeownership Counseling Disclosure Is Present or XXX | 07/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 86055 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/27/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. Please see attached affiliated business dicslosure | 07/01/2025 | Required Affiliated Business Disclosure Documentation Provided | 07/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 86055 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 06/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 86055 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 06/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 85687 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 06/30/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 48.13% is less than Guideline LTV of 48.13% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 48.13% is less than Guideline CLTV of 49.78% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85687 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 06/30/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 49.78% is less than Guideline LTV of 49.78% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 49.78% is less than Guideline LTV of 49.78% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85687 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 06/30/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 49.78% is less than Guideline LTV of 49.78% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 49.78% is less than Guideline LTV of 49.78% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86062 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/29/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.43(b)(4), some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 06/30/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 49.78% is less than Guideline LTV of 49.78% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 49.78% is less than Guideline LTV of 52.66% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86062 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 06/30/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.66% is less than Guideline CLTV of 52.66% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 52.66% is less than Guideline CLTV of 52.66% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86062 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 06/30/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.66% is less than Guideline CLTV of 52.66% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 52.66% is less than Guideline CLTV of 52.66% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85693 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 07/07/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 52.66% is less than Guideline CCLTV of 52.66% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 52.66% is less than Guideline CCCLTV of 52.66% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85693 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 07/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 50% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85693 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 07/07/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 54.05% is less than Guideline CLTV of 54.05% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 54.05% is less than Guideline CCLTV of 54.05% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86053 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 07/07/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86053 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 07/07/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86053 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 07/07/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85688 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 07/07/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85688 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 07/07/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85688 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 07/07/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85689 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/03/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide eConsent dated on or before XXX/XXX/XXX. | Document Uploaded. Please see attached econsent and please note the time zone is UTC. | 07/07/2025 | Evidence of eConsent is provided. | 07/07/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 85689 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 07/07/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 85689 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 07/07/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 86059 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/07/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide eConsent dated on or before XXX/XXX/XXX. | Document Uploaded. Please see attached econsent and please note the time zone is UTC. | 07/07/2025 | Evidence of eConsent is provided. | 07/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 86059 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/07/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.43(b)(4), some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 07/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 86059 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 07/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 86059 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 07/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 85690 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 07/07/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85690 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 07/07/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85690 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 07/07/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85695 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 07/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85695 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 07/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85695 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 07/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86058 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 07/07/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 54.05% is less than Guideline CCLTV of 54.05% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 54.05% is less than Guideline CCCLTV of 54.05% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86058 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 07/07/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 54.05% is less than Guideline CLTV of 54.05% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 54.05% is less than Guideline CCLTV of 54.05% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86058 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 07/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.05% is less than Guideline LTV of 54.05% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.05% is less than Guideline CLTV of 54.05% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85691 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/08/2025 | Acknowledged | FCRE1200 | Credit | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of XXX is less than the Guideline Minimum Loan Amount of XXX Loan amount of XXX is less than the guideline minimum loan amount of XXX per guidelines. | Document Uploaded. Please see correct exception form as the signature date contained a typo. ; Document Uploaded. Please see attached exception form. | 07/11/2025 | The lender exception approval provided dated XX/XX/XXXX - Previous exception approved for < XXX loan amount (XXX). Requesting approval for further reduction to XXX loan amount to ensure sufficient HOI coverage. Compensating factors include: High DSCR XXX Low LTV of 60%, High FICO XXX points above cap.; The lender exception approval provided is dated XXX/XXX/XXX, which is not accurate. Please provide an updated exception approval with an accurate Decision Date. | 07/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 54.05% is less than Guideline LTV of 54.05% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.05% is less than Guideline CLTV of 42.5% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 85691 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 07/09/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 42.5% is less than Guideline LTV of 42.5% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.5% is less than Guideline LTV of 42.5% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 85691 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 07/09/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 42.5% is less than Guideline LTV of 42.5% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.5% is less than Guideline LTV of 42.5% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86056 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/09/2025 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. The loan file is missing the loan approval/XXX underwriting summary. | Document Uploaded. Please see XXX | 07/10/2025 | Approval/Underwriting Summary is fully present | 07/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 42.5% is less than Guideline LTV of 42.5% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.5% is less than Guideline CLTV of 60.58% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86056 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/09/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The loan file is missing verification of escrows for borrowers investment property XXX Northwest 3rd Street. A mortgage Statement showing escrowed amount or copy of the hazard insurance declaration, tax certification and a letter verifying the property does not have a monthly HOA payment is needed. | Document Uploaded. Please see attached mortgage Statement for XXX. Please note that mortgage has escrows for taxes and insurance and property does not have HOA as it is a Single-Family Residence. | 07/15/2025 | Client provided REO mortgage Statement. | 07/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 60.58% is less than Guideline LTV of 60.58% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.58% is less than Guideline LTV of 60.58% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86056 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 07/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 60.58% is less than Guideline LTV of 60.58% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.58% is less than Guideline LTV of 60.58% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86056 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 07/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 60.58% is less than Guideline LTV of 60.58% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.58% is less than Guideline LTV of 60.58% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 85694 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 07/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85694 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 07/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85694 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 07/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85692 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 07/09/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60.58% is less than Guideline LTV of 60.58% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.58% is less than Guideline CLTV of 60.58% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85692 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 07/09/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60.58% is less than Guideline LTV of 60.58% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.58% is less than Guideline CLTV of 60.58% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85692 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 07/09/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 60.58% is less than Guideline LTV of 60.58% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.58% is less than Guideline CLTV of 60.58% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85692 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/08/2025 | Rescinded | finding-3716 | Compliance | XXX Per Diem Interest Amount Test | This loan failed the per diem interest amount test. (XXX Bus. Prof. Code 12 CFR §1026.43(b)(4),The per diem interest amount charged on the loan XXX exceeds the per diem interest charge or credit threshold ($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 configured on the per diem interest settings page. |  |  | ; Resolved; Resolved |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86100 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/08/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in (12 CFR §1026.43(b)(4), (e)(XXX)) some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 07/09/2025 | is Greater than the Guideline Minimum - 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 LTV of 60.58% is less than Guideline LTV of 60.58% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.58% is less than Guideline LTV of 60.58% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86100 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 07/09/2025 | is Greater than the Guideline Minimum - 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 LTV of 60.58% is less than Guideline LTV of 60.58% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.58% is less than Guideline LTV of 60.58% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86100 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 07/09/2025 | is Greater than the Guideline Minimum - 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 LTV of 60.58% is less than Guideline LTV of 60.58% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.58% is less than Guideline LTV of 60.58% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85696 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 07/14/2025 | Resolved | finding-3430 | Compliance | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. [[(12 CFR §1026.43(b)(4), (e)(1))]] This 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 interest rate 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. HPML with established escrows and appraisal requirements met. |  |  | Loan originated as Non QM - confirmed. ; Loan originated as Non QM - confirmed. | 07/15/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.58% is less than Guideline LTV of 60.58% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.58% is less than Guideline CLTV of 60.58% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85696 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 07/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 07/15/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.58% is less than Guideline LTV of 60.58% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.58% is less than Guideline CLTV of 60.58% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85696 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 07/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 07/15/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.58% is less than Guideline LTV of 60.58% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60.58% is less than Guideline CLTV of 60.58% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86060 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 07/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 60.58% is less than Guideline LTV of 60.58% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.58% is less than Guideline LTV of 60.58% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86060 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 07/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 60.58% is less than Guideline LTV of 60.58% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.58% is less than Guideline LTV of 60.58% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86060 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 07/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 60.58% is less than Guideline LTV of 60.58% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.58% is less than Guideline LTV of 60.58% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85697 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 07/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 60.58% is less than Guideline LTV of 60.58% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.58% is less than Guideline LTV of 60.58% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85697 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 07/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 60.58% is less than Guideline LTV of 60.58% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.58% is less than Guideline LTV of 60.58% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85697 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 07/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 60.58% is less than Guideline LTV of 60.58% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.58% is less than Guideline LTV of 60.58% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86096 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 07/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86096 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 07/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86096 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 07/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85721 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 08/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85721 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 08/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85721 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 08/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85720 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 08/07/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85720 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 08/07/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85720 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 08/07/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86097 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 08/14/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86097 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 08/14/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86097 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 08/14/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86098 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 08/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86098 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 08/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86098 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 08/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86104 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/19/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Per guidelines, a full interior/exterior appraisal is required. | Document Uploaded. Please see attached Appraisal Report | 08/20/2025 | Appraisal is Present or is Waived; Appraisal is Missing. Per guidelines, a full interior/exterior appraisal is required. | 08/22/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86104 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/19/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report. Per guidelines a third-party fraud detection report is required for all borrowers and/or guarantors. | Document Uploaded. Please see cleared alerts for the Fraud Report; Document Uploaded. Please see fraud report attached | 08/22/2025 | Third Party Fraud Report is provided; Fraud Report provided reflects Uncleared High level Alerts. Please provide updated report with Cleared Alerts.; Missing Third Party Fraud Report. Per guidelines a third-party fraud detection report is required for all borrowers and/or guarantors. | 08/22/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86104 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 08/19/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86099 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/20/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Section 2a. of the Final 1003 application list checking accounts from XXX #XXX and #XXX. The loan file is missing verification of these checking accounts. | Document Uploaded. Please see updated 1003. Per UW, assets are not required on cashout DSCR loans. | 08/21/2025 | Asset Qualification Meets Guideline Requirements; Asset Qualification Does Not Meet Guideline Requirements Section 2a. of the Final 1003 application list checking accounts from XXX #XXX and #XXX. The loan file is missing verification of these checking accounts. | 08/22/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 86099 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 08/20/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 86099 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 08/20/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 85722 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 08/20/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85722 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 08/20/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85722 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 08/20/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86117 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/21/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage The TrailBlazer guidelines section XX/XX/XXXX State rent loss insurance covering a minimum of six months is required. The hazard insurance declaration does not disclose the amount of rent loss coverage for the subject property. | Document Uploaded. Please see attached Rent Loss Coverage | 08/28/2025 | Rent Loss Coverage Present. A copy of the policy showing rent loss was not provided. | 08/29/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86117 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86117 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86101 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 60.58% is less than Guideline LTV of 60.58% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60.58% is less than Guideline CLTV of 43.43% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86101 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 43.43% is less than Guideline LTV of 43.43% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 43.43% is less than Guideline LTV of 43.43% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86101 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 43.43% is less than Guideline LTV of 43.43% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 43.43% is less than Guideline LTV of 43.43% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86116 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 08/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86116 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 08/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86116 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/26/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in LTV of 73% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 08/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 60817 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete |  | Cleared |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 60817 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete |  | Cleared |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; is Greater than the Guideline Minimum - of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84415 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/21/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). |  |  | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 04/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84415 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing PITIA per monthrtgage Statement documentation for the following REOs: XXX, XXX, XXX, XXX, XXX,XXX, XXX, XX, and XXX. If the mortgage payment is not escrowed, the taxes and insurance info is required. | XXX Response: Uploading updated 1003, approval and ULAW to flip to No Ratio DSCR post close. No DTI and the REO PITIA items are no longer required for a DSCR business purpose loan. | 04/18/2025 | Lender Exception to flip to No Ratio DSCR post closing, therefore, PITIA documentation for REO properties no longer required approved by XXX.; Document Uploaded. | 04/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84415 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/21/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 55% exceeds Guideline LTV of 55% Lender Exception to flip to No Ratio DSCR post closing at XXX% approved by XXX. |  |  | Guideline 69% LTV Lender Exception to flip to No Ratio DSCR post closing at XXX% approved by XXX. | 04/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84415 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/21/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 73% exceeds Guideline CLTV of 55% Lender Exception to flip to No Ratio DSCR post closing at XXX% approved by XXX. |  |  | Guideline 78.6% LTV Lender Exception to flip to No Ratio DSCR post closing at XXX% approved by XXX. | 04/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84415 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/21/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 73% exceeds Guideline HCLTV of 55% Lender Exception to flip to No Ratio DSCR post closing at XXX% approved by XXX. |  |  | Guideline 78.6% LTV Lender Exception to flip to No Ratio DSCR post closing at XXX% approved by XXX. | 04/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84415 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Acknowledged | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% XXX% DTI exceeds XXX% program max. Audit income ($XXX), Subject PITIA, and income match Lender's qualifying amounts; however, the Lender did not include any additional REO/Negative rents in the DTI. There are XXX additional REOs on the final URAL that were not included in the DTI. The fils is also MISSING MORTGAGE Statements/expense info for each property. | XXX Response: Uploading updated 1003, approval and ULAW to flip to No Ratio DSCR post close. No DTI and the REO PITIA items are no longer required for a DSCR business purpose loan. | 04/18/2025 | Lender Exception to flip to No Ratio/DSCR post closing, therefore, DTI XXX approved by XXX.; Document Uploaded. | 04/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84415 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Acknowledged | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Missing a complete REO Section XXX Missing Status and Expense (PITIA) info for following properties: XXX, XXX, XXX, XXX, and XXX. This is a business purpose loan but DTI is being calculated and info for these properties is required. | XXX Response: Uploading updated 1003, approval and ULAW to flip to No Ratio DSCR post close. No DTI and the REO PITIA items are no longer required for a DSCR business purpose loan. | 04/18/2025 | Lender Exception to flip to No Ratio/DSCR post closing, therefore, PITIA documentation not required for REO properties approved by XXX.; Document Uploaded. | 04/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84415 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Resolved | FCRE8728 | Credit | Missing Payment History | Missing proof of XX/XX/XXXX XXX #XXX mortgage payment for Primary (XXX). | XXX Response: Per credit memo date XXX/XXX/XXX, mortgage rating expiration has been extended to XXX days as long as there are no lates reporting on credit, which there are none. | 04/18/2025 | Credit Memo dated XX/XX/XXXX confirms updated VOM not required if reporting within XXX days and 0x30 prior XXX months. Condition cleared.; | 04/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84415 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Acknowledged | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing cancelled checks for proof of subject mortgage payments to a private lender. Per Lender GL Section XX/XX/XXXX - Private Party / Non-Institutional Lender. Ok, per XXX, to utilize VOM from a private party with no cancelled checks; however, missing a minimum of two compensating factors prior to DD Firm acknowledging. | XXX Response: Uploading updated 1003, approval and ULAW to flip to No Ratio DSCR post close. No DTI and the REO PITIA items are no longer required for a DSCR business purpose loan. | 04/18/2025 | Lender Exception to allow a VOM vs. cancelled checks approved by XXX.; Document Uploaded. | 04/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84415 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84415 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 03/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84445 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/12/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report reflecting the appraiser and appraisal company as verified interested parties. | Client provided attached documentation in response. | 05/28/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 06/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 43.43% is less than Guideline LTV of 43.43% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 43.43% is less than Guideline LTV of 39.6% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 84445 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/12/2025 | Resolved | FCRE3500 | Credit | Borrower residency documentation not provided or issue with documentation | The borrower is a XXX. The file does not contain documentation to verify as a credit reference. Lender to provide an original credit reference letter from an internationally known financial institution or a bank Statement documenting a foreign financial banking relationship for the past XXX days. Guideline section XX/XX/XXXXs | XXX is a XXX based institution and acceptable per XXX's guidelines as a XXX based account is even stronger for this purpose..; Client provided attached document in response. ; Client provided attached documentation in response. | 06/20/2025 | Okay to accept US based banking institution to clear credit reference requirement per OM. Condition cleared.; Document Uploaded. ; Chevron Federal Credit Union is not an international banking institution. Please provide a banking letter from an internationally known financial institution as required per guidelines.; Document Uploaded. | 06/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.6% is less than Guideline CLTV of 39.6% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 39.6% is less than Guideline CLTV of 39.6% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 84445 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.6% is less than Guideline CLTV of 39.6% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 39.6% is less than Guideline CLTV of 39.6% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 84445 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | 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. |  |  | Compliant | 05/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.6% is less than Guideline CLTV of 39.6% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 39.6% is less than Guideline CLTV of 39.6% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 84418 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/13/2025 | Resolved | FCRE3500 | Credit | Borrower residency documentation not provided or issue with documentation | The borrower is a XXX. The file does not contain documentation for a credit reference. Lender to provide an original credit reference letter from an internationally known financial institution or a bank Statement documenting a foreign financial banking relationship for the past XXX days. Guideline section XX/XX/XXXXs | Client provided attached documentation in response. | 06/18/2025 | ; XXX is an internationally recognized banking institution. XXX months in file on pages XXX and XXX Additional documentation not required. Condition rescinded.; Document Uploaded. | 06/19/2025 | C B A | A | A C | A C | A C | A C | A C | A | A B | A | A B | A | A |
| 84418 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/13/2025 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | The borrower's business is an LLC; however, the EIN issuance letter for XXX is not in file. Lender to provide the Employer Identification Number (EIN) issuance letter for XXX. Guideline section XX/XX/XXXX Borrowing Entities | Client provided attached documentation in response. | 06/18/2025 | ; XXX EIN on page XXX Condition rescinded.; Document Uploaded. | 06/19/2025 | C B A | A | A C | A C | A C | A C | A C | A | A B | A | A B | A | A |
| 84418 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/13/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report reflecting the seller as a verified interested party. | Client provided attached documentation in response. | 05/28/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 06/19/2025 | C B A | A | A C | A C | A C | A C | A C | A | A B | A | A B | A | A |
| 84418 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | 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. |  |  | Compliant | 05/13/2025 | C B A | A | A C | A C | A C | A C | A C | A | A B | A | A B | A | A |
| 84418 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | 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. |  |  | Compliant | 05/13/2025 | C B A | A | A C | A C | A C | A C | A C | A | A B | A | A B | A | A |
| 84442 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/12/2025 | Resolved | FCRE1161 | Credit | Flood Certificate Missing | Missing Flood Certificate Provide a life of loan flood certification | Client provided attached document in response. | 05/14/2025 | Flood Certificate is fully present; Document Uploaded. | 07/02/2025 | D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84442 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/12/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check the appraiser, appraisal company, XXXX XXX, XXX, XXX, settlement agent and underwriter with Exclusionary lists. |  |  | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 07/02/2025 | D B C A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84442 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/12/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The subject has an existing mortgage with XXX Rail Road LLC for XXX dated XXX/XXX/XXX. Provide XX/XX/XXXX - XX/XX/XXXX canceled checks (front/back) showing payments of XXX per month. Per GL's XX/XX/XXXX & XX/XX/XXXX | Client provided attached document in response. ; Client provided attached documentation in response. | 07/02/2025 | Lender exception approval provided: Ok per XXX to accept the housing history as-is. Comp factors 78.6% LTV, XXX DSCR, subject in C3 condition and extensively remodeled recently.; Document Uploaded. ; Copies of checks provided are not cancelled to confirm they were cashed. Please provide the cancelled checks (front and back) as required per section XX/XX/XXXX on private party mortgages.; Document Uploaded. | 07/02/2025 | D B C A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84442 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | 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. |  |  | Compliant | 05/13/2025 | D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84442 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/13/2025 | D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84469 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/13/2025 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Missing the Underwriting Loan Approval Worksheet. | Client provided attached document in response. | 06/18/2025 | Approval/Underwriting Summary is fully present; Document Uploaded. | 06/19/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 84469 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | 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. |  |  | Compliant | 05/14/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 84469 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/14/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 84476 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 05/14/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 39.6% is less than Guideline CCLTV of 39.6% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 39.6% is less than Guideline CCCLTV of 39.6% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84476 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | 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. |  |  | Compliant | 05/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.92% is less than Guideline LTV of 68.92% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.92% is less than Guideline CLTV of 68.92% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84476 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/14/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 47.47% is less than Guideline CLTV of 47.47% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 47.47% is less than Guideline CCLTV of 47.47% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84434 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/15/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 47.47% is less than Guideline CLTV of 47.47% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 47.47% is less than Guideline CCLTV of 47.47% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84434 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 05/15/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 47.47% is less than Guideline CLTV of 47.47% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 47.47% is less than Guideline CCLTV of 47.47% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84434 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/15/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 47.47% is less than Guideline CLTV of 47.47% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 47.47% is less than Guideline CCLTV of 47.47% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84432 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2025 | Resolved | FCOM3592 | Credit | Missing Taxpayer First Act Disclosure | Taxpayer First Act Disclosure is missing. Provide disclosure | This is a non-TRID, business-purpose loan. Page XXX of the uploaded Closing Package is the Business Purpose Loan Certification and Attestation. | 05/22/2025 | Document Uploaded. ; Taxpayer First Act Disclosure is provided; | 06/19/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 47.47% is less than Guideline CLTV of 47.47% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 47.47% is less than Guideline CCLTV of 47.47% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 84432 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2025 | Resolved | FCRE3500 | Credit | Borrower residency documentation not provided or issue with documentation | The borrower is a non-permanent resident. Provide the ITIN letter/card. If not using the ITIN program provide a social security card or SSA_89 results and Unexpired work authorization/VISA GL's XXX. | Client provided attached documentation in response. | 06/18/2025 | ; Document Uploaded. ; Closing package reviewed, however, documentation previously requested not included. The borrower is a non-permanent resident. Please provide the ITIN letter/card. If not using the ITIN program provide a social security card or SSA_89 results and Unexpired work authorization/VISA GL's XXX.; Document Uploaded. | 06/19/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 47.47% is less than Guideline CLTV of 47.47% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 47.47% is less than Guideline CCLTV of 47.47% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 84432 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/15/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 47.47% is less than Guideline CLTV of 47.47% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 47.47% is less than Guideline CCLTV of 47.47% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 84432 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/15/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 47.47% is less than Guideline CLTV of 47.47% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 47.47% is less than Guideline CCLTV of 47.47% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 84544 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/16/2025 | Acknowledged | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Provide a verbal verification of employment within XXX hours of funding. | Client provided attached document in response. ; Client provided attached document in response. | 07/02/2025 | Approved Exception provided indicates okay to accept a VVOE completed prior to XXX hours of funding, comp factors XXX% DTI, 78.6% LTV, XXX months reserves with cash out, XXX yrs same employer.; Document Uploaded. ; Approved Exception provided indicates okay to accept a VVOE completed prior to XXX hours of funding, however, the file was missing the VVOE in its entirety. Please provide the VVOE completed prior to closing, upon receipt, the approved exception will be applied if completed more than XXX hours prior to closing. Thank you.; Document Uploaded. | 07/02/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 47.47% is less than Guideline CCLTV of 47.47% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 47.47% is less than Guideline CCCLTV of 47.47% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 84544 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/15/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130 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 Discount Points increased from XXX to XXX on the revised CD, dated XXX/XXX/XXX. The exception is tied to the missing evidence of receipt of the initial CD dated XXX/XXX/XXX, which was provided less than XXX business days prior to the consummation date of XX/XX/XXXX Once evidence of the initial CD dated XX/XX/XXXX is provided, additional testing will be completed. This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). | Changed circumstance documentation showing increase in discount point fee tied to increase in loan amount has been uploaded. | 05/22/2025 | Initial CD delivery date and valid COC provided; Exception resolved.; Initial CD delivery date and valid COC provided; Exception resolved.; Document Uploaded. | 05/24/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 47.47% is less than Guideline CLTV of 47.47% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 47.47% is less than Guideline CCLTV of 47.47% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 84544 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/15/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | The initial CD dated XX/XX/XXXX was provided less than XXX business days prior to the consummation date of XXX/XXX/XXX, and was not signed. Please provide evidence of receipt of the initial CD dated XXX/XXX/XXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:[[(12 CFR ##_DH_##(ii))]] The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Initial CD signed XX/XX/XXXX has been uploaded. | 05/22/2025 | Initial CD delivery date provided; Exception resolved.; Initial CD delivery date provided; Exception resolved.; Document Uploaded. | 05/24/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.47% is less than Guideline LTV of 47.47% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.47% is less than Guideline CLTV of 47.47% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 84544 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/15/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 78.6% 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, downgraded to A |  |  | ; HPML compliant | 05/24/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.47% is less than Guideline LTV of 47.47% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.47% is less than Guideline CLTV of 47.47% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 84544 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.47% is less than Guideline LTV of 47.47% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.47% is less than Guideline CLTV of 47.47% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 84452 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/16/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing Executed W-XXX (BEN) IRS form. Required per Lender GL Section XX/XX/XXXX - XXXs. | Client provided attached documentation in response. | 07/02/2025 | Income and Employment Meet Guidelines; Document Uploaded. | 07/03/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 84452 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/19/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 84452 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/19/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 84430 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The seller is a business entity. Provide evidence the signer is authorized to represent the seller. | Client provided attached document in response. | 07/02/2025 | Property Title Issue Resolved; Document Uploaded. | 07/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 84430 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 84430 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 84431 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Missing full Uniform Residential Appraisal Report, must include Single-Family Comparable Rent Schedule (form 1007) to support XXX rental income. Required per Lender GL Sections XX/XX/XXXX and XXX. | Client provided attached documentation in response. | 05/29/2025 | Appraisal is Present or is Waived; Document Uploaded. | 05/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 84431 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 84431 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 05/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 84423 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 05/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 47.47% is less than Guideline LTV of 47.47% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.47% is less than Guideline CLTV of 47.17% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84423 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 47.17% is less than Guideline LTV of 47.17% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.17% is less than Guideline LTV of 47.17% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84423 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 47.17% is less than Guideline LTV of 47.17% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.17% is less than Guideline LTV of 47.17% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84474 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2025 | Resolved | FCRE1173 | Credit | HO6 Master Insurance Policy is Missing | Missing HO-6 Master Insurance Policy The Master Insurance Policy from the Homeowner's Association is not in file. | Client provided the attached document in response. ; Client provided attached document in response. ; Client provided attached document in response. | 07/25/2025 | HO-6 Master Insurance Policy is fully present; Document Uploaded. ; Lender provided Duplicate copy of HO6 Policy. Please provide Missing HOA Master insurance policy Walls out coverage: $1M Liability, Correct HOA name as the Insured Party and Building subject Property Address must include the unit in description Or HOA Master Insurance policy Walls In coverage that includes improvements and betterments, reflect XXX loss payee clause, loan #, borrower name, subject address & unit # for policy coverage.; Document Uploaded. ; Missing the Master Condo Insurance Policy. Please provide.; Document Uploaded. | 07/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84474 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HCLTV of 75% exceeds Guideline HCLTV of 75% Guidelines reflect the maximum LTV/CLTV/HCLTV of 75%; however, the audit LTV is 78.6%. There is no approved exception in file for the LTV. | Client provided attached document in response. | 07/03/2025 | ; Lender exception approval provided - Ok per XXX for 78.6% LTV, comp factors, XXX FICO, borr S/E XXX years, full doc with XXX% DTI, subject is a C1 XXX new build.; Document Uploaded. | 07/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84474 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 78.6% exceeds Guideline CLTV of 75% Guidelines reflect the maximum LTV/CLTV/HCLTV of 75%; however, the audit LTV of 78.6%. There is no approved exception in file for the LTV. | Client provided attached document in response. | 07/03/2025 | Lender exception approval provided - Ok per XXX for 50% LTV, comp factors, XXX FICO, borr S/E XXX years, full doc with XXX% DTI, subject is a C1 XXX new build.; Document Uploaded. | 07/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84474 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 75% exceeds Guideline LTV of 75% Guidelines reflect the maximum LTV/CLTV/HCLTV of 75%; however, the audit HLTV of 75%. There is no approved exception in file for the LTV. | Client provided attached document in response. | 07/03/2025 | Lender exception approval provided - Ok per XXX for 65% LTV, comp factors, XXX FICO, borr S/E XXX years, full doc with XXX% DTI, subject is a C1 XXX new build.; | 07/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84474 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84474 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84433 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The loan application shows XXX, XXX, as borrowers primary residence for XXX months. The previous XXX month primary residence pay history is required. Provide a property report showing the borrower owns the primary residence free/clear. GL's XX/XX/XXXX | XXX Response: The previous residence was XXX which is mortgaged with XXX, which is rated to current on a XXX month history. The current residence is owned F&C but guidelines do not require proof in the form of anything further than the credit report that does not have any unaccounted for mortgages, Sec XXX. | 07/07/2025 | Housing History Meets Guideline Requirements; | 07/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 47.17% is less than Guideline LTV of 47.17% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.17% is less than Guideline LTV of 49.07% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 84433 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2025 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Borrower property ownership records online indicate possible undisclosed real eState and/or mortgage debt. Provide property reports for: XXX, XXX, XXX; XXX, XXX, XXX; XXX, XXX, XXX; XXX, XXX, XXX; XXX, XXX, XXX; XXX, XXX, SC XXX; XXX, XXX, XXX; XXX, XXX, XXX | XXX Response: DataVerify does not indicate any F/C activities in the last XXX years, borrower is not claiming any of these properties and they are no unaccounted for mortgages on credit. As this is a DSCR, the presence of any REO is not relevant to qualification since those mortgages do not need to be tracked, even though we do have them and all XXX are current, and there are no public records for any current F/C activity. | 07/07/2025 | All Fraud Report Alerts have been cleared or None Exist; | 07/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.07% is less than Guideline CLTV of 49.07% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 49.07% is less than Guideline CLTV of 49.07% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 84433 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.07% is less than Guideline CLTV of 49.07% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 49.07% is less than Guideline CLTV of 49.07% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 84433 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.07% is less than Guideline CLTV of 49.07% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 49.07% is less than Guideline CLTV of 49.07% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 84419 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 05/29/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84419 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/29/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84419 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/29/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84477 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements A XXX cashiers check and escrow deposit receipt is in the file. Provide the bank Statement or transaction printout showing the funds coming out of the borrowers account. Per GL's XX/XX/XXXX | Client provided attached document in response. | 07/07/2025 | Asset Qualification Meets Guideline Requirements; Document Uploaded. ; - | 07/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 84477 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Addendum XXX to the purchase contract lists XXX items to be repaired at the sellers expense. Provide evidence the items have been repaired. | Client provided attached document in response. | 07/24/2025 | XXX provided photos of repairs.; Property/Appraisal Meets Guidelines; Document Uploaded. | 07/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 84477 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 84496 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/30/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84496 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/30/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84496 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 05/30/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84499 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84499 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 05/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84499 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84463 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/30/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 49.07% is less than Guideline CCLTV of 49.07% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 49.07% is less than Guideline CCCLTV of 49.07% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84463 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/30/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 59.95% is less than Guideline CLTV of 59.95% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 59.95% is less than Guideline CCLTV of 59.95% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84463 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 05/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.95% is less than Guideline LTV of 59.95% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.95% is less than Guideline CLTV of 59.95% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84503 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/30/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 59.95% is less than Guideline LTV of 59.95% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.95% is less than Guideline LTV of 66.67% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84503 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 05/30/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.67% is less than Guideline CLTV of 66.67% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 66.67% is less than Guideline CLTV of 66.67% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84503 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/30/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.67% is less than Guideline CLTV of 66.67% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 66.67% is less than Guideline CLTV of 66.67% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84488 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 06/02/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84488 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 06/02/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84488 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 06/02/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84534 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Provide the mortgage Statement tax bill and hazard Insurance for XXX, XXX. GL's XX/XX/XXXX | XXX Response: Uploading HOI, tax and mortgage Statements for XXX. | 07/07/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present.; Document Uploaded. ; Document Uploaded. | 07/08/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 66.67% is less than Guideline CLTV of 66.67% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 66.67% is less than Guideline CCLTV of 66.67% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 84534 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Provide the final Title showing lien for XXX dated XX/XX/XXXX removed, to be secured solely by XXX . | XXX Response: Uploading final title. | 07/07/2025 | Property Title Issue Resolved; Document Uploaded. | 07/08/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 54.85% is less than Guideline CLTV of 54.85% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 54.85% is less than Guideline CCLTV of 54.85% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 84534 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Operating Agreement and Certificate of Organization for XXX is for the purpose of investing in real eState. The XXX business narrative for the XXX month Bank Statement Program is an Online advertising, sales and broadcast business. Provide evidence of two years existence of the business with ownership percentage. GL's XX/XX/XXXX & IX Acceptable Evidence of XXX Business | XXX Response: XXX's position is that a borrower can have alternative streams of income under his entity, not just the Stated purpose it was organized under. There are no guidelines requirements that State otherwise, uploading entity formation docs from XX/XX/XXXX to cover the XXX year requirement. | 07/07/2025 | Income and Employment Meet Guidelines; Document Uploaded. | 07/08/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 54.85% is less than Guideline CLTV of 54.85% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 54.85% is less than Guideline CCLTV of 54.85% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 84534 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Acknowledged | FCRE1197 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX A second home with a loan amount > than XXX million has a minimum XXX Fico Score. | XXX Response: Uploading updated ULAW with comp factors. | 07/07/2025 | Lender exception approval - XXX C/O 2nd home LA $4M XXX XXX Max XXX LTV. Ok per XXX for this loan amount and FICO, comp factors, 65% LTV, subject is a C2 XXX custom build.; Document Uploaded. | 07/08/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 54.85% is less than Guideline CLTV of 54.85% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 54.85% is less than Guideline CCLTV of 54.85% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 84534 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Acknowledged | 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 The maximum loan amount for a second home is XXX A Lender exception to permit loan up to XXX is in the file. Provide XXX compensating factors. | XXX Response: Uploading updated ULAW with comp factors. | 07/07/2025 | Lender exception approval - XXX C/O 2nd home LA $4M XXX XXX Max XXX LTV. Ok per XXX for this loan amount and FICO, comp factors, 65% LTV, subject is a C2 XXX custom build.; Document Uploaded. | 07/08/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 54.85% is less than Guideline CLTV of 54.85% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 54.85% is less than Guideline CCLTV of 54.85% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 84534 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 06/02/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 54.85% is less than Guideline CLTV of 54.85% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 54.85% is less than Guideline CCLTV of 54.85% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 84534 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 06/02/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 54.85% is less than Guideline CLTV of 54.85% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 54.85% is less than Guideline CCLTV of 54.85% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 84508 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Data Verify Real EState Owned shows XXX. owned by the borrower. Provide a property report with a public record search to establish there is not foreclosure action. GL XX/XX/XXXX | XXX Response: The DataVerify report provided shows no record of any F/C activity at this location. Uploading for review. | 07/07/2025 | All Fraud Report Alerts have been cleared or None Exist; Document Uploaded. | 07/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 54.85% is less than Guideline CCLTV of 54.85% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 54.85% is less than Guideline CCCLTV of 54.85% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 84508 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The HOA Questionnaire- Florida Addendum shows the last inspection of the condo showed finding related to safety, soundness, structural integrity or habitability of the project building. Provide a Structural Integrity Report. | XXX Response: No SIRS report is needed as the HOA/building is only XXX years old and only two stories. Though a previous inspection showed some deficiencies, the HOA is asserting that they have all been addressed and no further action is needed. | 07/07/2025 | Property/Appraisal Meets Guidelines; Document Uploaded. | 07/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 54.85% is less than Guideline CLTV of 54.85% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 54.85% is less than Guideline CCLTV of 54.85% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 84508 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXX is the account holder of XXX #XXX. The funds for closing came from XXX #XXX. A Letter from XXX States the borrower is an account holder of a savings and checking at the Bank. Provide evidence the borrower is owner of XXX #XXX. GL XX/XX/XXXX | XXX Response: Uploading proof of ownership. | 07/07/2025 | Asset Qualification Meets Guideline Requirements; Document Uploaded. | 07/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.85% is less than Guideline LTV of 54.85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.85% is less than Guideline CLTV of 54.85% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 84508 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Rescinded | FCRE3500 | Credit | Borrower residency documentation not provided or issue with documentation | The loan application lists the borrower as a XXX. However, a letter from a Tax Advisor shows the borrower will file XXX & XXX which is required for foreign persons. Provide a copy of the borrowers passport. | XXX Response: The borrower has an unrestricted SS card which indicates XXXship and is within standard lending practices of XXX. No tax items are needed for qualification so they have no bearing on qualification. | 07/07/2025 | The XXX is related to the seller of the subject property not the borrower.; | 07/08/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 84508 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 06/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.85% is less than Guideline LTV of 54.85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.85% is less than Guideline CLTV of 54.85% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 84575 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The appraisal in file reflects a value of $XXX; however, there is no second source in file to validate the value. Guideline section XX/XX/XXXX Appraisal Reviews | Client provided attached documentation in response. | 06/03/2025 | Third party valuation product provided within tolerance.; Document Uploaded. | 06/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 84575 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 06/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 84575 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 06/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 84471 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Data Verify REO shows XXX., with a loan. The credit report shows #XXX with a XXX monthly payment. However, a mortgage Statement with XXX shows a payment of $XXX. Provide the #XXX Statement to verify the monthly payment for XXX GL XX/XX/XXXX | XXX Response: Uploading updated 1003 for the REOs and credit trades showing XXX was with XXX and is now with XXX/XXX. Uploading XXX Statement confirming an escrow account and the current payment is the same on credit. Same situation with XXX, was with XXX and is now with. Uploading XXX Statement confirming the escrow account and though the payment is slightly lower now, it would be due to the annual escrow analysis and is still well above the P&I portion indicating the escrow account is still there.; XXX Response: Uploading 1003 with correct mortgages attached to XXX and XXX; XXX Response: The actual address is XXX, "XXX" is not indicated on the 1003 or the DataVerify report. The Roundpoint Statement is correct for showing the full impounds. The #XXX is for a different property; XXX Response: Recent XXX #XXX bank Statement is not required as this account isn't being used for funds to close, only to verify the EMD. XXX month Statement was provided and is all that is necessary.; XXX Response: The actual address is XXX, "XXX" is not indicated on the 1003 or the DataVerify report. The Roundpoint Statement is correct for showing the full impounds. The #XXX is for a different property; XXX Response: Recent XXX #XXX bank Statement is not required as this account isn't being used for funds to close, only to verify the EMD. XXX month Statement was provided and is all that is necessary. | 07/18/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present.; Document Uploaded. ; The Mortgage payments on the individual updated 1003 pages provided XXX and XXX are now accurate; However, the other REOs' mortgage payment amounts on the individual updated 1003 pages uploaded Do Not Match the Mortgage Statements for XXX// XXX account number on 1003 does not match mortgage Statement// XXX// XXX \*\*\*Please Provide a Complete and Updated 1003 for ALL REOs' to Match the Mortgage Statements included in the loan file.\*\*\* \*\*\*ALSO The #XXX with a XXX monthly payment as listed on the Credit Report is Still Not Addressed, Still Require a Mortgage Statement for acct# XXX Please provide.\*\*\* ; Document Uploaded. ; 1003 and Mortgage Statement for XXX do not match. The Statement in file is from PHH with a payment of XXX but the Final 1003 shows with a mortgage payment of $XXX. Per the 1003, this mortgage (XXX XXX) is listed under the property at XXX which is incorrect. 1003 and Mortgage Statement for do not match. The Statement in file is from XXX with a payment of XXX but the Final 1003 shows XXX with a mortgage payment of $XXX.; ; Please provide a copy of the Mortgage Statement for #XXX. Per the 1003, the #XXX is for XXX; however that is Not accurate per the mortgage Statement in the loan file (XXX Mortgage #XXX).; ; This Finding is asking for a mortgage Statement not bank statment. Verify REO shows XXX, with a loan. The credit report shows #XXX with a XXX monthly payment. However, a mortgage Statement with XXX shows a payment of $XXX. Provide the #XXX Statement to verify the monthly payment for XXX GL XXX; | 07/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84471 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCRE1325 | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing The Lender used a XXX% expense factor to calculate the Borrower's income from XXXX. Provide a CPA Letter that directly States the experienced overhead for Applicant's business, and percentage of the borrower's ownership. GL's XX/XX/XXXX | Client provided attached document in response. ; Documentation provided | 07/02/2025 | Borrower 1 CPA Letter Provided; Document Uploaded. ; Lender used a XXX% business expense ratio. Per Section XXX\* of guidelines, an expense ratio under XXX% may be considered if the CPA directly States the lower overhead. The CPA letter provided does not indicate the lower expense ratio of XXX% Please provide documentation from the CPA that the Borrower's lower overhead supports XXX% Thank you.; Document Uploaded. | 07/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84471 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The Articles of organization for XXX Facility are in the file. Provide evidence of co-borrower's percentage of ownership. GL's527 | XXX Response: Uploading XXX annual Statement filed with SOS showing he is the only XXX, XXX% owner.; XXX Response: Uploading initial LLC filing from the SOS website that shows our borrower as the initial and sole XXX/manager. The updated annual report from XX/XX/XXXX still shows only our borrower as the sole XXX/XXX and signor for the LLC | 07/18/2025 | Income and Employment Meet Guidelines; Document Uploaded. ; The Articles of Organization dated XX/XX/XXXX reflects a 2nd Organizer, which indicates the co-borrower has not been the sole XXX, also the LOE in file does not State the co-borrower is the sole XXX. Please provide the Operating Agreement or other document showing the Co-borrower is the sole XXX of XXX Facility prior to the origination of this loan.; Document Uploaded. | 07/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84471 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The XXX receipt for earnest money and copy of the check from XXX #XXX is in the file. Provide recent XXX #XXX bank Statement. GL's XX/XX/XXXX & XX/XX/XXXX | XXX Response: Not using an exception for this finding. Recent XXX #XXX bank Statement is not required as this account isn't being used for funds to close, only to verify EMD. One-month Statement was provided and is all that's needed. Please escalate this finding if necessary.; XXX Response: Uploading updated ULAW with comp factors | 07/14/2025 | Receipt and copy of EMD check is sufficient for EMD.; Asset Qualification Meets Guideline Requirements;.; Copy of the updated ULAQ was not provided. ; - | 07/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84471 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The co-borrower's primary housing is reported for XXX months (XXX #XXX and XXX #XXX). The mortgage Statement in the file shows NSF and payment was not made. Provide the XXX #XXX Statement verifying payment was made. GL XX/XX/XXXX | Client provided attached document in response. | 07/07/2025 | Lender exception approval provided - ok per XXX for missing XXX month housing history. Comp factors XXX% DTI, XXX FICO, Significant reserves after closing, both borrowers XXX yrs S/E, subject in C3 condition with recent upgrades to bathroom.; Document Uploaded. | 07/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84471 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 06/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84471 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 06/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84466 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report with the escrow/title company as a verified interested party. | Client provided attached document in response. | 06/11/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 07/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 84466 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HCLTV of 70% exceeds Guideline HCLTV of 70% The subject is a Short Term Rental with a maximum LTV of 70%. An approved exception is in file to allow 75% LTV with the compensating factor of strong DSCR. The exception is not acceptable since XXX compensating factors are not reflected. | Client provided attached document in response. | 07/08/2025 | Additional exception approval comp factors provided: XXX FICO, significant reserves with cash out, subject in C3 good condition.; Document Uploaded. | 07/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 84466 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 70% exceeds Guideline CLTV of 70% The subject is a Short Term Rental with a maximum HLTV of 70%. An approved exception is in file to allow HLTV of 70% with the compensating factor of strong DSCR. The exception is not acceptable since XXX compensating factors are not reflected. | Client provided attached document in response. | 07/08/2025 | Additional exception approval comp factors provided: XXX FICO, significant reserves with cash out, subject in C3 good condition.; Document Uploaded. | 07/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 84466 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited HCLTV of 65% exceeds Guideline HCLTV of 65% The subject is a Short Term Rental with a maximum HCLTV of 65%. An approved exception is in file to allow HCLTV of 65% with the compensating factor of strong DSCR. The exception is not acceptable since XXX compensating factors are not reflected. | Client provided attached document in response. | 07/08/2025 | Additional exception approval comp factors provided: XXX FICO, significant reserves with cash out, subject in C3 good condition.; Document Uploaded. | 07/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 84466 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 06/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 84466 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 06/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 84444 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 06/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84444 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 06/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84444 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 06/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84420 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/05/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HCLTV of 65% exceeds Guideline HCLTV of 65% Subject loan is a DSCR-No Ratio with maximum LTV allowed of XXX%; however, the LTV is 70% and no approved exception is in file. | Client provided attached document in response. | 07/08/2025 | Lender exception approval provided - Ok per XXX for 56% LTV. Comp factors XXX yrs reserves, C1 new construction, XXX yrs no lates on credit.; Document Uploaded. | 07/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 84420 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/05/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 65% exceeds Guideline CLTV of 65% Subject loan is a DSCR-No Ratio with maximum LTV allowed of XXX%; however, the LTV of 65% and no approved exception is in file. | Client provided attached document in response. | 07/08/2025 | Lender exception approval provided - Ok per XXX for 56% LTV. Comp factors XXX yrs reserves, C1 new construction, XXX yrs no lates on credit.; Document Uploaded. | 07/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 84420 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/05/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited 80% LTV exceeds Guideline 80% LTV Subject loan is a DSCR-No Ratio with maximum LTV allowed of XXX%; however, the 80% LTV and no approved exception is in file. | Client provided attached document in response. | 07/08/2025 | Lender exception approval provided - Ok per XXX for 56% LTV. Comp factors XXX yrs reserves, C1 new construction, XXX yrs no lates on credit.; Document Uploaded. | 07/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 84420 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 06/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 84420 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 06/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 84579 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 06/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 54.85% is less than Guideline LTV of 54.85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.85% is less than Guideline CLTV of 60% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84579 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 06/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 50.39% is less than Guideline LTV of 50.39% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50.39% is less than Guideline LTV of 50.39% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84579 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 06/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of 50.39% is less than Guideline LTV of 50.39% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50.39% is less than Guideline LTV of 50.39% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84578 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/06/2025 | 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 XXX-D is not in file to verify the completion of the subject property. Guideline section XX/XX/XXXX Single Family Residence | Client provided attached document in response. | 07/09/2025 | Primary Value Subject Property Appraisal is completed on an As-Is Basis or XXX; Document Uploaded. | 07/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84578 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/06/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide the final fraud report reflecting the appraiser, appraisal company, escrow/title company, seller, and listing agent as verified interested parties. | Client provided attached documents in response. | 06/11/2025 | All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | 07/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84578 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/06/2025 | Resolved | FCRE5809 | Credit | Missing evidence of self employment | The CPA letter is in file to verify self-employment; however, documentation is not in file to verify the CPA or the business. Guideline section IX. Acceptable Evidence of XXX Business | The attachment was uploaded for the CPA verification.; Client provided attached document in response. | 07/11/2025 | CPA license verification provided.; Document Uploaded. ; The ULAW provided does not include evidence to verify the CPA or the business. Guideline section IX. Acceptable Evidence of XXX Business. Please provide.; Document Uploaded. | 07/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84578 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/06/2025 | Resolved | FCRE7551 | Credit | Missing Divorce Decree | The Final 1003 reflects monthly alimony payments of $XXX; however, documentation has not been provide to verify the amount of alimony that is paid. Lender to provide a copy of the divorce decree to verify alimony. Guideline section XX/XX/XXXX Alimony/Child Support | Client provided attached document in response. | 07/09/2025 | Divorce decree related to XXX payments provided.; Document Uploaded. | 07/10/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84578 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/06/2025 | Acknowledged | FPRO1500 | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing The HOA Questionnaire to verify the status of the HOA is not in file. | Client provided attached document in response. | 07/09/2025 | Lender exception approval provided - Ok per CT to waive HOA cert, comp factors, XXX FICO, borr S/E for XXX years, significant reserves after closing, subject is a C1 new build from Lennar Homes of the HOA is in its infancy as it is still brand new.; Document Uploaded. | 07/10/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84578 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/06/2025 | 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% The file contains an approved exception to allow seller concessions to XXX% Compensating factors noted are high FICO, strong property, and length of employment. | Client provided attached document in response. | 07/09/2025 | The file contains an approved exception to allow seller concessions to XXX% Compensating factors noted are high FICO, strong property, and length of employment.; Document Uploaded. | 07/09/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84578 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 06/06/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84462 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 06/06/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84462 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 06/06/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84462 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 06/06/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84497 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 06/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 50.39% is less than Guideline LTV of 50.39% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50.39% is less than Guideline LTV of 50.39% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84497 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 06/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.39% is less than Guideline CLTV of 50.39% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 50.39% is less than Guideline CLTV of 50.39% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84497 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 06/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.39% is less than Guideline CLTV of 50.39% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 50.39% is less than Guideline CLTV of 50.39% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84498 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84498 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84498 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85737 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/11/2025 | Resolved | FPRO1500 | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing Provide the HOA Information Letter to confirm; HOA monthly fee, condominium project is not currently involved in any litigation, total number of units in the project; percent of the units owner occupied, percent of the units sold and conveyed to the unit owners, and total number of phases that are not complete. GL XX/XX/XXXX | Uploading HOA cert. | 07/21/2025 | HOA Questionnaire Provided | 07/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 85737 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/11/2025 | Acknowledged | FCRE2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX The subject is a new Condominium where the developer is in control of the HOA. The minimum DSCR for a XXX Condo is XXX | Uploading updated ULAW with comp factors. | 07/21/2025 | Lender exception approval provided - Ok per SM to treat as DSCR XXX:L1 for this new condo developer still in control, comp factors, XXX FICO, 56% LTV, significant reserves after closing, subject is a C2 XXX build from Lennar Homes. | 07/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 85737 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 07/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 85735 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/11/2025 | Acknowledged | FCRE1197 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX The minimum credit score for waived impounds is XXX | Uploading updated ULAW with comp factors. | 07/21/2025 | Lender exception approval provided - Ok per XXX to waive impounds with FICO less than XXX comp factors 56% LTV, positive DSCR, significant reserves after closing, subject in C3 condition. | 07/22/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 50.39% is less than Guideline CCLTV of 50.39% Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 50.39% is less than Guideline CCCLTV of 50.39% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 85735 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 07/14/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 47.41% is less than Guideline CLTV of 47.41% Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 47.41% is less than Guideline CCLTV of 47.41% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 85735 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 07/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.41% is less than Guideline LTV of 47.41% Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.41% is less than Guideline CLTV of 47.41% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 85827 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/07/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements A gift letter for XXX from sister-in-law to come from #XXX is in the file. Provide proof of receipt of XXX wired to closing from #XXX. XXX from Enaya Petrolium of Tampa Inc was wired to escrow on XXX/XXX/XXX. Provide documentation to show owner of the company and a signed gift letter. GL's XX/XX/XXXX | XXX from XXX is combination of the XXX gifts from XXX (see $28k and $15k gift letters). Uploading XXX rg showing donor XXX owns XXX | 08/11/2025 | Asset Qualification Meets Guideline Requirements | 08/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 85827 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/07/2025 | Acknowledged | FCRE1254 | Credit | Property Title Issue | Property Title Issue The subject is vested in an entity. Provide documentation to verify authorized signer for the entity. | Uploading updated ULAW with comp factors - please see other exception. | 08/11/2025 | Lender exception approval provided - Ok per XXX B. for private party VOR, OK per XXX for missing authorized signer documentation, OK per XXX for XXX reserve shortage. Comp factors XXX FICO, subject C2 with very recent remodeling, both borrowers S/E XXX yrs and own XXX% of their businesses. | 08/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 85827 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/07/2025 | 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) LTV > XXX% requires XXX months reserves. A Lender exception is in the file. Provide XXX compensating factors | Uploading updated ULAW with comp factors - please see other exception for ULAW. | 08/11/2025 | Lender exception approval provided - Ok per XXX B. for private party VOR, OK per XXX for missing authorized signer documentation, OK per XXX for XXX reserve shortage. Comp factors XXX FICO, subject C2 with very recent remodeling, both borrowers S/E XXX yrs and own XXX% of their businesses. | 08/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 85827 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/07/2025 | 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. LTV > XXX% requires XXX months reserves. A Lender exception is in the file. Provide XXX compensating factors | Uploading updated ULAW with comp factors - please see other exception for ULAW. | 08/11/2025 | Lender exception approval provided - Ok per XXX B. for private party VOR, OK per XXX for missing authorized signer documentation, OK per XXX for XXX reserve shortage. Comp factors XXX FICO, subject C2 with very recent remodeling, both borrowers S/E XXX yrs and own XXX% of their businesses. | 08/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 85827 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/07/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements A VOR from a private party was provided to verify the borrowers rent for XXX months. However, A VOR can not be accepted from a private party with an HLTV of 80%. Provide XXX months canceled checks (front/back) or bank Statements which consistently show payment for XXX GL's XX/XX/XXXX | Uploading updated ULAW with comp factors. | 08/11/2025 | Lender exception approval provided - Ok per XXX B. for private party VOR, OK per XXX for missing authorized signer documentation, OK per XXX for XXX reserve shortage. Comp factors XXX FICO, subject C2 with very recent remodeling, both borrowers S/E XXX yrs and own XXX% of their businesses. | 08/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 85827 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 08/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 85809 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/11/2025 | Resolved | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing The co-borrower's Telephone Certification of Employment with XXX dated XX/XX/XXXX is signed by the Doc Drawer. However, section XXX is not completed - which States whether the co-borrower is actively XXX. Provide a completed verbal verification of employment conducted by XXX within XXX hours prior to funding. GL I. Expiration of Credit | Uploading completed VVOE; The co-borrower's Telephone Certification of Employment with XXX dated XX/XX/XXXX is signed by the Doc Drawer. However, section XXX is not completed - which States whether the co-borrower is actively XXX. Uploading business funds LOE. | 08/12/2025 | Borrower 2 3rd Party VOE Prior to Close Was Provided or XXX (Number of Borrowers equals XXX); A completed verbal verification of employment conducted by XXX within XXX hours prior to funding is required for B2 for XXX. Please provide. | 08/12/2025 | is Greater than the Guideline Minimum - D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 85809 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/11/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Business account with #XXX funds are used for closing. Provide a letter from the borrower describing the potential impact on the business. GL XX/XX/XXXX | Uploading business funds LOE. | 08/11/2025 | Asset Qualification Meets Guideline Requirements | 08/12/2025 | is Greater than the Guideline Minimum - D A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 85809 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 08/11/2025 | is Greater than the Guideline Minimum - D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 85809 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 08/11/2025 | is Greater than the Guideline Minimum - D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 85766 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 08/12/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - \| is Greater than the Guideline Minimum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85766 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 08/12/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - \| is Greater than the Guideline Minimum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86329 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/11/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The borrower is a full time employee. Provide A verbal verification of employment dated within XXX hours prior to funding. | . Uploading VVOE | 08/13/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided | 08/13/2025 | is Greater than the Guideline Minimum - \| Borrower has stable job time - D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 86329 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/11/2025 | Resolved | FCRE1248 | Credit | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction The seller is the borrowers Uncle. There is a gift of equity to the borrower. The subject was owned free and clear. GL's XX/XX/XXXX The seller is the borrowers Uncle. There is a gift of equity to the borrower. The subject was owned free and clear. GL's XX/XX/XXXX | Section XX/XX/XXXX covers non-arm's length. Subject is free and clear, and seller gave gift so requirements of XX/XX/XXXX do not apply. Loan closed within guidelines | 08/13/2025 | Purchase is considered to be an Arm's Length Transaction, or XXX | 08/13/2025 | is Greater than the Guideline Minimum - \| Borrower has stable job time - D A C | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 86329 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 08/12/2025 | is Greater than the Guideline Minimum - \| Borrower has stable job time - D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 86329 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/12/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) 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 HLTV of 80% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  |  | Compliant | 08/12/2025 | is Greater than the Guideline Minimum - \| Borrower has stable job time - D A C | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 85834 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/12/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements A XXX gift letter from XXX shows funds coming from #XXX. The wire from #XXX with originating party XXX. Provide documentation to show the brother name on the gift letter is the account owner of XXX with the correct bank account number. GL XX/XX/XXXX Receipt of Gift Funds | Uploading proof XXXX owns XXX | 08/12/2025 | Asset Qualification Meets Guideline Requirements | 08/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 85834 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/12/2025 | Acknowledged | 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) The July TD #XXX shows XXX gift deposited on XXX/XXX/XXX. Gift funds are not eligible for reserves. The available assets post closing are $XXX. Provide evidence the borrowers have XXX months PITIA of acceptable reserves. GL XX/XX/XXXX Reserve Funds | Uploading updated ULAW with comp factors | 08/12/2025 | Lender exception approval provided - Ok per XXX for less than XXX months reserves. Comp factors XXX FICO, XXX% DTI, subject C3 above average condition, S/E XXX yrs. | 08/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 85834 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/12/2025 | 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. The July TD #XXX shows XXX gift deposited on XXX/XXX/XXX. Gift funds are not eligible for reserves. The available assets post closing are $XXX. Provide evidence the borrowers have XXX months PITIA of acceptable reserves. GL XX/XX/XXXX Reserve Funds | Uploading updated ULAW with comp factors | 08/12/2025 | Lender exception approval provided - Ok per XXX for less than XXX months reserves. Comp factors XXX FICO, XXX% DTI, subject C3 above average condition, S/E XXX yrs. | 08/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 85834 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 08/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 85834 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 08/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 85765 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/12/2025 | Resolved | FCRE1483 | Credit | Asset 5 Does Not Meet Guideline Requirements | Asset 5 Does Not Meet Guideline Requirements A XXX gift letter from the borrowers Mother with funds wired to closing from National Financial Services #XXX. A Letter of receipt for XXX is in the file. Provide a copy of the wire or donors bank Statement to verify receipt of the gift matches the gift letter. GL XX/XX/XXXX | Uploading gift wire. | 08/13/2025 | Asset 5 Meets Guideline Requirements Or XXX | 08/15/2025 | Borrower has stable job time - \| is Greater than the Guideline Minimum - C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 85765 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/12/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. XXX LLC was checked with Exclusionary lists. Check XXX LLC with Exclusionary lists. | Uploaded DV for clearance; Document Uploaded. XXX(BA): Uploaded DV for clearance | 08/14/2025 | All Interested Parties Checked against Exclusionary Lists | 08/15/2025 | Borrower has stable job time - \| is Greater than the Guideline Minimum - C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 85765 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 08/13/2025 | Borrower has stable job time - \| is Greater than the Guideline Minimum - C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 85765 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 08/13/2025 | Borrower has stable job time - \| is Greater than the Guideline Minimum - C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 86156 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/14/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited LTV of 80% exceeds Guideline LTV of 80% The Max HLTV for a purchase with XXX FICO is XXX% Lender exception to allow LTV of 80% with XXX YR pre-payment penalty. Provide XXX compensating factors. | Uploading updated ULAW with comp factors - see other response to ULAW. | 08/15/2025 | Lender exception approval provided - Ok per Craig T. for CLTV of 73.97%. Comp factors XXX% DSCR, comparable sales have a very low average DOM | 08/15/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86156 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/14/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited CLTV of 80% exceeds Guideline CCLTV of 80% The Max LTV for a purchase with XXX FICO is XXX% Lender exception to allow CCLTV of 80% with XXX YR pre-payment penalty. Provide XXX compensating factors. | Uploading updated ULAW with comp factors - see other response to ULAW. | 08/15/2025 | Lender exception approval provided - Ok per Craig T. for HLTV of 73.97%. Comp factors XXX% DSCR, comparable sales have a very low average DOM | 08/15/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86156 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/14/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited (12 CFR ##_DJ_##(ii)) exceeds Guideline 12 CFR ##_DL_##(ii)) The Max CLTV for a purchase with XXX FICO is XXX% Lender exception to allow 12 CFR ##_DL_##(ii)) with XXX YR pre-payment penalty. Provide XXX compensating factors. | Uploading updated ULAW with comp factors | 08/15/2025 | Lender exception approval provided - Ok per Craig T. for HLTV of 73.97%. Comp factors XXX% DSCR, comparable sales have a very low average DOM | 08/15/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86156 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 08/14/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86156 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 08/14/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 85773 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/14/2025 | Rescinded | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). The appraiser estimated replacement cost is XXX Provide RCE from the hazard Insurance company to verify sufficient coverage. GL's XX/XX/XXXX | Document Uploaded. ; Submitted LOE for clearance | 08/20/2025 | ; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 08/20/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85773 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 08/14/2025 | is Greater than the Guideline Minimum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85773 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 08/14/2025 | is Greater than the Guideline Minimum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86209 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/15/2025 | is Greater than the Guideline Minimum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86209 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/15/2025 | is Greater than the Guideline Minimum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86209 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/15/2025 | is Greater than the Guideline Minimum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86158 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 08/21/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86158 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 08/21/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86158 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 08/21/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86159 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/22/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. REO at XXX - file shows pending new XXX loan, total PITIA $XXX. Lender to provide all PITIA documents for this property. Only doc in file is tax cert. | Uploading XXX. 1st payment letter w/ PITA info; please indicate what more is needed in a counter. Thank you. ; Uploading XXX 1st payment letter. | 08/26/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing.; Lender provided First Payment letter for REO. | 08/26/2025 | Borrower has stable job time - \| Qualifying DTI below max allowed. - \| Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86159 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 08/22/2025 | Borrower has stable job time - \| Qualifying DTI below max allowed. - \| Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 85770 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 08/22/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85770 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 08/22/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85821 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/22/2025 | 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. ((12 CFR ##_DJ_##(ii))]] The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures 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 §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Documentation required to clear exception: TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The Tolerance violation in the amount of XXX is due to Increase from XXX to XXX for the Recording Fee on Final CD XXX/XXX/XXX. | Document Uploaded. XXX cure uploaded for review. | 08/28/2025 | Cure package provided to the borrower; exception downgraded to a 2/B | 08/29/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - \| Borrower has stable job time - A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 85821 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 08/22/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - \| Borrower has stable job time - A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 85821 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 08/22/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - \| Borrower has stable job time - A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 86197 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 08/25/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86197 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 08/25/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86339 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/25/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: [[(12 CFR ##_DJ_##(ii))]] The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; 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 §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Revised LE was issued XXX/XXX/XXX, provide documentation to show the borrower received the revised LE at least XXX days prior to consummation. | Document Uploaded. Signed LE dated XX/XX/XXXX has been uploaded. | 08/28/2025 | Revised LE provided; Exception resolved; Revised LE provided; Exception resolved | 08/28/2025 | is Greater than the Guideline Minimum - \| Qualifying DTI below max allowed. - A C | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 86339 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/25/2025 | Resolved | FCRE1964 | Credit | Missing income documentation | A CPA letter is in the file for business verification. Provide the license verification from municipal, State, or federal licensing boards or proof of the business existence. | Uploading CPA validation | 08/26/2025 | CPA Verify document provided. | 08/27/2025 | is Greater than the Guideline Minimum - \| Qualifying DTI below max allowed. - A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 86339 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 08/25/2025 | is Greater than the Guideline Minimum - \| Qualifying DTI below max allowed. - A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 85828 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/26/2025 | Resolved | FCRE1375 | Credit | Borrower 2 Lease Agreements Missing | Borrower 2 Lease Agreements Missing The co-borrower's departure property at XXX will become an investment property. The loan application shows rental income of XXX per month. Provide a current signed lease with proof of rent/security deposit received or rent estimate from an appraiser, market survey, XXX/rent range/XXX om etc.. GL's XX/XX/XXXX | The departure on XXX will be rented but only XXX% is being used since we are only providing a XXX report for market rents. Also uploading updated ULAW, 1003 and leases for two of the units as borrower will reside in the 3rd unit, #XXX, where he is currently residing. Subject rents cannot be correctly accounted for in system since it is OO so we need to count them as other income via "Accessory Unit Income."; XX/XX/XXXX XXX indicated issue still w/ UW. ; Document Uploaded. | 09/26/2025 | Borrower 2 Lease Agreements Provided or XXX (Number of Borrowers equals XXX); Borrower 2 Lease Agreements Missing | 09/29/2025 | Borrower has stable job time - Borrower has XXX years on job. is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 85828 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/26/2025 | Acknowledged | FCRE1248 | Credit | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction The borrower rents the subject from the seller. In addition, the co-borrower is the selling agent. The down payment has been fully sourced. Provide proof of non-default on any existing mortgage. GL XX/XX/XXXX | Uploading updated ULAW with comp factors; XX/XX/XXXX NL indicated issue still w/ UW. | 09/26/2025 | Lender exception approval provided - Appraisal units ok to proceed Economic life 30yrs required comp factors S/E job stability for bwr & co-bwr although no income used for her. Reserves for co-bwr. The land value is $2MM which meets XXX% of loan value.. Ok per XXX for missing proof of non-default on existing mortgage. Comp factors XXX FICO, borrower XXX yrs, significant reserves from co-borrower after closing, comparable sales have a low average DOM. | 09/29/2025 | Borrower has stable job time - Borrower has XXX years on job. is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 85828 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/26/2025 | Resolved | FCRE1161 | Credit | Flood Certificate Missing | Missing Flood Certificate Provide a life of loan Flood Cert. | Document Uploaded. Please find attached. | 09/02/2025 | Flood Certificate is fully present | 09/02/2025 | Borrower has stable job time - Borrower has XXX years on job. is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 85828 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/26/2025 | Acknowledged | FPRO3678 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. The appraiser States the Highest and Best Use of the subject is to re-develop to the highest density the zoning will allow. Properties reported to have a different highest and best use than the present use are not eligible for financing. A Lender exception is in the file. Compensating factors S/E job stability, reserves, and land value $2MM which meets XXX% of loan value. The appraiser States the Highest and Best Use of the subject is to re-develop to the highest density the zoning will allow. Properties reported to have a different highest and best use than the present use are not eligible for financing. A Lender exception is in the file. Compensating factors S/E job stability, reserves, and land value $2MM which meets XXX% of loan value. |  |  | A Lender exception is in the file. Compensating factors S/E job stability, reserves, and land value $2MM which meets XXX% of loan value. | 08/27/2025 | Borrower has stable job time - Borrower has XXX years on job. is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 85828 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 08/27/2025 | Borrower has stable job time - Borrower has XXX years on job. is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 86226 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/27/2025 | Resolved | 123ABJ | Credit | Missing VVOE dated within XXX days consummation | The borrower's second employment with XXXX has documentation in file dated XX/XX/XXXX verifying employment; however, the closing of this loan is XXX/XXX/XXX. Therefore, the VVOE is not dated within XXX days of consummation. | IHSS is not a standard employer per se. With XXX's income being IHSS (In-Home Support Services sponsored and paid for by the State of XXX), her W2 employer is listed as the person he is providing in-home care for, which is XXX. The funds are coming from the State of XXX but there is no way to get a VVOE completed from the State of XXX as they will simply direct us back to the direct deposit paystubs for proof she is still receiving this income. Most recent paystub is date XX/XX/XXXX which serves as proof of the continued employment. | 08/27/2025 | IHSS Earnings Statement found on page XXX dated XX/XX/XXXX is sufficient. | 08/28/2025 | Borrower has stable job time - \| is Greater than the Guideline Minimum - \| Qualifying DTI below max allowed. - A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86226 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 08/27/2025 | Borrower has stable job time - \| is Greater than the Guideline Minimum - \| Qualifying DTI below max allowed. - A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 85758 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 08/28/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85758 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 08/28/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85758 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 08/28/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85802 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 08/28/2025 | Qualifying DTI below max allowed. - \| Borrower has stable job time - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85802 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 08/28/2025 | Qualifying DTI below max allowed. - \| Borrower has stable job time - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85802 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 08/28/2025 | Qualifying DTI below max allowed. - \| Borrower has stable job time - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85841 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/28/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Second home at XXX is listed on the loan application. Provide the tax bill. GL XX/XX/XXXX & XX/XX/XXXX | Uploading SiteX showing tax amount | 08/29/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present.; XXX provided tax document. | 09/02/2025 | is Greater than the Guideline Minimum - \| Borrower has stable job time - C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 85841 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 08/28/2025 | is Greater than the Guideline Minimum - \| Borrower has stable job time - C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 85841 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 08/28/2025 | is Greater than the Guideline Minimum - \| Borrower has stable job time - C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 85751 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | compliant | 08/29/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85751 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | compliant | 08/29/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85751 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | compliant | 08/29/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85782 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 09/02/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85782 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/02/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85782 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/02/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85797 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCRE2899 | Credit | Potential Ownership issues identified in file | Guideline section XX/XX/XXXX Borrowing Entities States XXX requires at least one guarantor to have homeownership experience; however, the credit report in file does not reflect a history of a mortgage and no other documentation is in file for this verification. Lender to provide documentation to verify the borrower/guarantor has had homeownership experience. | Uploading Shellpoint Mortgage pay history in the name of the entity that G1 has XXX% ownership in. XXX considers this satisfactory evidence of homeownership. | 09/03/2025 | Shellpoint Mortgage pay history in the name of the entity that G1 has XXX% ownership in located on pg XX/XX/XXXX in loan file. | 09/04/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 85797 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/02/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 85797 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/02/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 85797 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HCLTV of 0% exceeds Guideline HCLTV of 0% The subject property has been listed for sale and is not eligible for this program. An approved exception is in file to allow this transaction with a maximum of 70% LTV, XXX months reserves, DSCR of XXX impounds required, no I/O, and XXX year PPP required. Compensating factors noted are XXX months of reserves and XXX year PPP. |  |  | An approved exception is in file to allow this transaction with a maximum of HLTV of 73.97%, XXX months reserves, DSCR of XXX impounds required, no I/O, and XXX year PPP required. Compensating factors noted are XXX months of reserves and XXX year PPP. | 09/02/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 85797 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 0% exceeds Guideline LTV of 0% The subject property has been listed for sale and is not eligible for this program. An approved exception is in file to allow this transaction with a maximum of CLTV of 0%, XXX months reserves, DSCR of XXX impounds required, no I/O, and XXX year PPP required. Compensating factors noted are XXX months of reserves and XXX year PPP. |  |  | An approved exception is in file to allow this transaction with a maximum of HLTV of 73.97%, XXX months reserves, DSCR of XXX impounds required, no I/O, and XXX year PPP required. Compensating factors noted are XXX months of reserves and XXX year PPP. | 09/02/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 85797 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 74.92% exceeds Guideline CLTV of 74.92% The subject property has been listed for sale and is not eligible for this program. An approved exception is in file to allow this transaction with a maximum of CLTV of 74.92%, XXX months reserves, DSCR of XXX impounds required, no I/O, and XXX year PPP required. Compensating factors noted are XXX months of reserves and XXX year PPP. |  |  | An approved exception is in file to allow this transaction with a maximum of HLTV of 73.97%, XXX months reserves, DSCR of XXX impounds required, no I/O, and XXX year PPP required. Compensating factors noted are XXX months of reserves and XXX year PPP. | 09/02/2025 | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 85783 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/02/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85783 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 09/02/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85783 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/02/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85772 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The subject lien paid off with XXX is secured by the subject and XXX. Provide the HUD from the refinance of XXX XXXX. which closed simultaneously. | Uploading HUD | 09/04/2025 | Property Title Issue Resolved | 09/05/2025 | is Greater than the Guideline Minimum - C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 85772 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCRE1492 | Credit | Cash Out Does Not Meet Guideline Requirements | Cash Out Does Not Meet Guideline Requirements The Hud-XXX shows transfer of XXX from a concurrent refinance of borrower's other property located at Marysville Blvd. Miscellaneous Charges shows Buyers funds to close (credit) of XXX Transaction is a Rate/Term refinance, there is no Buyer. Cash to the borrower is $XXX. The maximum cash to the borrower for a Rate/term refinance is the greater of XXX or XXX% of the loan. Provide corrected HUD-XXX (there is no Buyer). GL XX/XX/XXXX | Uploading updated ULAW and Loan Approval reflecting purpose as cash out | 09/04/2025 | Cash Out Meets Guideline Requirements | 09/05/2025 | is Greater than the Guideline Minimum - C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 85772 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/02/2025 | is Greater than the Guideline Minimum - C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 85772 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/02/2025 | is Greater than the Guideline Minimum - C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 85792 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The property report shows the primary residence was purchased XXX/XXX/XXX. The 1st payment due XXX/XXX. The credit report provided XXX months pay-history through XXX/XXX. Provide a credit supplement to show pay-history for XXX months. GL XX/XX/XXXX | XXX-day expiration date applies since housing history over the last XXX-month period is 0x30 per the credit report. Rating is good through Oct XXX | 09/08/2025 | Housing History Meets Guideline Requirements | 09/09/2025 | is Greater than the Guideline Minimum - C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 85792 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/05/2025 | is Greater than the Guideline Minimum - C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 85775 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 09/05/2025 | Borrower has stable job time - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85775 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/05/2025 | Borrower has stable job time - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85833 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 09/05/2025 | Qualifying DTI below max allowed. - \| Borrower has stable job time - C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 85833 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/05/2025 | Qualifying DTI below max allowed. - \| Borrower has stable job time - C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 85833 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/05/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in HLTV of 74.92% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets escrow and appraisal requirements. |  |  | Compliant | 09/05/2025 | Qualifying DTI below max allowed. - \| Borrower has stable job time - C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 85845 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/05/2025 | Resolved | FCRE1328 | Credit | Borrower 1 W2/XXX Missing | Borrower 1 W2/XXX Missing. The borrower receives retirement income which is shown on the #XXX May and June Statements. Provide the XXX-R or award letter reflecting the amount of the payment. GL's V Income Documentation Chart | Uploading Award Letter | 09/09/2025 | Borrower 1 W2/XXX Provided | 09/10/2025 | Borrower has stable job time - Borrower has XXX years on job. is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 85845 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/05/2025 | Acknowledged | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The XXX earnest money deposit was wired from XXX LLC business account. Provide a Handwritten Letter of Explanation executed by the borrower's describing the potential impact on the business. GL XX/XX/XXXX | Uploading updated ULAW with comp factors | 09/09/2025 | Lender exception approval provided - Rural property at XXX acres ok per XXX;. Ok per XXX for XXX acres and OK per XXX for missing biz impact LOE. Comp factors XXX FICO, XXX mos. reserves, no mortgage lates, subject C3 condition. | 09/10/2025 | Borrower has stable job time - Borrower has XXX years on job. is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 85845 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/05/2025 | Acknowledged | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The subject is a rural property with site area of XXX acres. The maximum acreage is XXX acres. A Lender exception is in the file. Provide XXX compensating factors. | Uploading updated ULAW with comp factors | 09/09/2025 | ; Lender exception approval provided - Rural property at XXX acres ok per XXX;. Ok per XXX for XXX acres and OK per XXX for missing biz impact LOE. Comp factors XXX FICO, XXX mos. reserves, no mortgage lates, subject C3 condition. | 09/10/2025 | Borrower has stable job time - Borrower has XXX years on job. is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 85845 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/05/2025 | Borrower has stable job time - Borrower has XXX years on job. is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 85776 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 09/08/2025 | is Greater than the Guideline Minimum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85776 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/08/2025 | is Greater than the Guideline Minimum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85776 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/08/2025 | is Greater than the Guideline Minimum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86361 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/10/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The Written Verification of Employment shows the annual base salary as XXX The Lender used year to date average income to calculate base as $XXX. The guidelines require calculation of annual income as; annual salary divided by XXX months. Audit calculated base income as XXX GL XX/XX/XXXX | XXX maintains that underwriters can use YTD income at their discretion if it's justifiable. Since YTD is trending higher, the underwriter's decision to use it falls within that discretion. | 09/12/2025 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Audited DTI of XXX% exceeds Guideline DTI of XXX% The Written Verification of Employment shows the annual base salary as XXX The Lender used year to date average income to calculate base as $XXX. The guidelines require calculation of annual income as; annual salary divided by XXX months. Audit calculated base income as XXX GL XX/XX/XXXX | 09/15/2025 | Borrower has stable job time \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 47.41% is less than Guideline LTV of 47.41% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.41% is less than Guideline CLTV of 27.29% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86361 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/10/2025 | Acknowledged | 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 The maximum loan amount for Written Verification of Employment Program is XXX A Lender exception with compensating factors low LTV and strong collateral is in the file. |  |  | A Lender exception with compensating factors low LTV and strong collateral is in the file. | 09/10/2025 | Borrower has stable job time \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 27.29% is less than Guideline LTV of 27.29% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 27.29% is less than Guideline LTV of 27.29% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86361 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/10/2025 | Acknowledged | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The Borrower received commission income in XXX and YTD. Commission income should show XXX year history of receipt. Lender exception in the file. Compensating factors are low LTV and large reserves. |  |  | A Lender exception with compensating factors; Low LTV and Large reserves. | 09/10/2025 | Borrower has stable job time \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 27.29% is less than Guideline LTV of 27.29% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 27.29% is less than Guideline LTV of 27.29% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86361 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/10/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Account activity for XXX months was provided to verify the XXX. The Written Verification of Employment Program requires XXX months of recent housing history. A Lender exception with compensating factors; Low LTV and Large reserves. |  |  | A Lender exception with compensating factors; Low LTV and Large reserves. | 09/10/2025 | Borrower has stable job time \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 27.29% is less than Guideline LTV of 27.29% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 27.29% is less than Guideline LTV of 27.29% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86361 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | ; Compliant |  | Borrower has stable job time \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 27.29% is less than Guideline LTV of 27.29% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 27.29% is less than Guideline LTV of 27.29% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86361 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | ; Compliant |  | Borrower has stable job time \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 27.29% is less than Guideline LTV of 27.29% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 27.29% is less than Guideline LTV of 27.29% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86243 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/12/2025 | Resolved | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited HLTV of 74.92% exceeds Guideline HLTV of 74.92% The maximum CLTV for the purchase of a Condotel in a declining market is XXX% | Loan closed within guidelines. Uploading program summary from XX/XX/XXXX showing at time loan was approved allowed for LTV of 90%. See other exception for program summary. | 09/16/2025 | Audited HLTV of 73.97% is less than or equal to Guideline HLTV of 73.97%; Audited HLTV of 73.97% is less than or equal to Guideline HLTV of 73.97% | 09/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86243 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/12/2025 | Resolved | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited LTV of 74.92% exceeds Guideline LTV of 74.92% The maximum HCLTV for the purchase of a Condotel in a declining market is XXX% | Loan closed within guidelines. Uploading program summary from XX/XX/XXXX showing at time loan was approved allowed for LTV of 90%. | 09/16/2025 | Audited LTV of 73.97% is less than or equal to Guideline LTV of 73.97%; Audited LTV of 73.97% is less than or equal to Guideline LTV of 73.97% | 09/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86243 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/12/2025 | Resolved | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited HLTV of 77.29% exceeds Guideline HLTV of 77.29% The maximum LTV for the purchase of a Condotel in a declining market is XXX% | Loan closed within guidelines. Uploading program summary from XX/XX/XXXX showing at time loan was approved allowed for LTV of 90%. See other exception for program summary. | 09/16/2025 | Audited 74% LTV is less than or equal to Guideline 74% LTV; Audited 74% LTV is less than or equal to Guideline 74% LTV | 09/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86243 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/12/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The appraisal describes the subject as having a front desk and maid service. The subject is operating as a condotel. Provide a short-term rental market analysis. GL XX/XX/XXXX & XX/XX/XXXX | Per the XXX there are other units within this subdivision that are on XXX-month leases. XXX will not force someone to provide an STR figure just because a property is in a condotel unless they want to qualify with short term rents in which case the STR figure would need to be validated. | 09/16/2025 | Property/Appraisal Meets Guidelines; Property/Appraisal guideline violation: | 09/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86243 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/12/2025 | 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% The Seller contributed XXX and the Broker contributed XXX towards the purchase which is XXX%. The maximum interested party contribution for the purchase of an Investment property is XXX% The excessive contribution of XXX must be subtracted from the purchase price for calculation of the LTV/CLTV. Provide updated Underwriting Loan Approval Worksheet GL XX/XX/XXXX | Uploading updated ULAW with comp factors. | 09/16/2025 | Lender exception approval provided - Ok per XXX for XXX% interested party contribution. Comp factors XXX FICO, XXX DSCR, 77.29% LTV, subject C3 condition.. ; Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% | 09/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86243 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86405 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/12/2025 | Resolved | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Provide a Verbal Verification of Employment with XXX. conducted by XXX within XXX hours prior to funding. | Uploading VVOE. | 09/16/2025 | Borrower 2 3rd Party VOE Prior to Close Was Provided or XXX (Number of Borrowers equals XXX) | 09/17/2025 | Original LTV is Below the Guideline Maximum - \| is Greater than the Guideline Minimum - \| Original CLTV is Below the Guideline Maximum \| Borrower has stable job time - D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86405 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/12/2025 | Rescinded | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% As a result of Audit income calculation for B2, (bi-weekly salary used per GL's) the DTI is XXX%. The Lender made a pricing exception with the condition of MAX DTI XXX% | DTI of XXX% in accordance with the general rounding rule (rounding down when under XX), the DTI rounds down to XXX% | 09/16/2025 | Per XXX - DTI of XXX% in accordance with the general rounding rule (rounding down when under XX), the DTI rounds down to XXX% | 09/17/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86405 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/12/2025 | Original LTV is Below the Guideline Maximum - \| is Greater than the Guideline Minimum - \| Original CLTV is Below the Guideline Maximum \| Borrower has stable job time - D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86405 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/12/2025 | Original LTV is Below the Guideline Maximum - \| is Greater than the Guideline Minimum - \| Original CLTV is Below the Guideline Maximum \| Borrower has stable job time - D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86299 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/12/2025 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The Final 1003 reflects taxes of XXX monthly; however, supporting documentation is not in file. Lender to provide tax documentation verifying monthly taxes for the subject property of $XXX. | Uploading tax certificate. | 09/17/2025 | Tax document provided. | 09/17/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86299 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/12/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86299 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/12/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86356 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/12/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Gift Letter for XXX given to B3. A wire from donor for XXX sent to closing and bank Statement showing wire of XXX is in the file. The total amount received is $XXX. Provide a gift letter for XXX GL XX/XX/XXXX | Uploading additional gift letter for XXX | 09/15/2025 | Asset Qualification Meets Guideline Requirements | 09/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 86356 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/12/2025 | Resolved | FCRE1377 | Credit | Borrower XXX 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing Provide a Verbal verification of employment from XXX for B3- by XXX within XXX hours prior to funding. | Uploading VVOE for borrower XXX | 09/15/2025 | Borrower XXX 3rd Party VOE Prior to Close Was Provided or XXX (Number of Borrowers equals XXX) | 09/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 86356 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 86356 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 86356 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/12/2025 | Resolved | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Underwriting Loan Approval Worksheet (ULAW), shows hazard Insurance XXX per month. Provide the final ULAW with the corrected HI of XXX per month. |  |  | Acknowledged as 2/B grading per client. | 09/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 86356 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/12/2025 | Acknowledged | 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 The maximum loan amount for the purchase of a rural/unique property is XXX A Lender exception is in the file. Compensating factor is XXX months reserves. Provide XXX additional compensating factor. |  |  | Audited Loan Amount of XXX is greater than the Guideline Maximum Loan Amount of XXX The maximum loan amount for the purchase of a rural/unique property is XXX A Lender exception is in the file. Compensating factor is XXX months reserves. Provide XXX additional compensating factor. | 09/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 86263 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Check XXXX Investments Inc., and XXX XXX X with Exclusionary lists. | Uploaded DV for clearance. | 09/19/2025 | All Interested Parties Checked against Exclusionary Lists | 09/22/2025 | is Greater than the Guideline Minimum - \| Borrower has stable job time - \| Qualifying DTI below max allowed. - C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 86263 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/17/2025 | is Greater than the Guideline Minimum - \| Borrower has stable job time - \| Qualifying DTI below max allowed. - C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 86265 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 09/17/2025 | is Greater than the Guideline Minimum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86265 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/17/2025 | is Greater than the Guideline Minimum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86348 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/16/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Title report shows Tax lien filed XX/XX/XXXX and XXX judgements filed XXX/XXX/XXX. Provide signed "NOT SAME PERSON" affidavit. | Uploading affidavit | 09/18/2025 | Property Title Issue Resolved | 09/19/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - \| Borrower has stable job time - \| is Greater than the Guideline Minimum - \| Qualifying DTI below max allowed. - A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 86348 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/17/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - \| Borrower has stable job time - \| is Greater than the Guideline Minimum - \| Qualifying DTI below max allowed. - A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 86348 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/17/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in CLTV of 77.29% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 09/17/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - \| Borrower has stable job time - \| is Greater than the Guideline Minimum - \| Qualifying DTI below max allowed. - A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 86376 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 09/17/2025 | Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - \| is Greater than the Guideline Minimum - \| Original CLTV is Below the Guideline Maximum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86376 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/17/2025 | Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - \| is Greater than the Guideline Minimum - \| Original CLTV is Below the Guideline Maximum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86376 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/17/2025 | Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - \| is Greater than the Guideline Minimum - \| Original CLTV is Below the Guideline Maximum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86393 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/17/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The XXX Only income program was used. Provide evidence the borrower has owned the business one year with a CPA Letter or Business License. GL XX/XX/XXXX | Uploading Articles of Incorporation. | 09/18/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided | 09/19/2025 | is Greater than the Guideline Minimum - \| Qualifying DTI below max allowed. - \| Borrower has stable job time - A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86393 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/17/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in CLTV of 77.29% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 09/17/2025 | is Greater than the Guideline Minimum - \| Qualifying DTI below max allowed. - \| Borrower has stable job time - A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86393 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/17/2025 | is Greater than the Guideline Minimum - \| Qualifying DTI below max allowed. - \| Borrower has stable job time - A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86379 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/17/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The tax prepares letter dated XX/XX/XXXX is not acceptable to verify the business. Provide a current tax preparer's letter (on Letterhead) to verify the borrower XXX business is active, and length of time it has been operating. Include tax preparer's license verification, from municipal, State or federal licensing boards or proof of their business' existence. | Uploading tax preparer verification; Document Uploaded. Uploading current CPA letter. | 09/18/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided; XXX provided updated CPA; however still Missing tax preparer's license verification, from municipal, State or federal licensing boards or proof of their business' existence. Please provide. | 09/19/2025 | Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - \| is Greater than the Guideline Minimum - \| Original CLTV is Below the Guideline Maximum - \| Qualifying DTI below max allowed. - A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86379 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/17/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in CLTV of 77.29% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 09/17/2025 | Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - \| is Greater than the Guideline Minimum - \| Original CLTV is Below the Guideline Maximum - \| Qualifying DTI below max allowed. - A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86379 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/17/2025 | Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - \| is Greater than the Guideline Minimum - \| Original CLTV is Below the Guideline Maximum - \| Qualifying DTI below max allowed. - A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86214 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/18/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The EMD and option money checks are in the file. Provide a certified escrow deposit receipt. GL XX/XX/XXXX | Uploading EMD receipt. | 09/18/2025 | Asset Qualification Meets Guideline Requirements | 09/19/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86214 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/18/2025 | Acknowledged | FCRE9785 | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete The purchase contract was amended to reflect the borrower as buyer. However, the amended contract is illegible. Provide a legible contract with the borrower as buyer. GL XX/XX/XXXX |  |  | Acknowledged as 2/B grading per client request. | 09/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86214 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86214 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86408 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2025 | Resolved | FCRE1492 | Credit | Cash Out Does Not Meet Guideline Requirements | Cash Out Does Not Meet Guideline Requirements A Rate Term Refinance maximum funds to the borrower is greater of XXX% of loan or XXX not to exceed XXX The Closing Disclosure shows XXX to the borrower. GL XX/XX/XXXX | Uploading updated approval and ULAW showing C/O. | 09/22/2025 | Cash Out Meets Guideline Requirements; Cash Out Does Not Meet Guideline Requirements | 10/01/2025 | Borrower has stable job time - \| Qualifying DTI below max allowed. - A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86408 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements A gift letter for XXX is in the file. The Closing Disclosure shows gift funds XXX Provide evidence of the wire or check showing funds from the donor's account. The amount of funds received must match the gift letter. GL XX/XX/XXXX | Upload gift wire. XXX allows gifts below the gift letter amount if the full gift is not necessary without an updated letter and without needing an exception; XXX allows gifts below the gift letter amount if the full gift is not necessary without an updated letter and without needing an exception. | 09/30/2025 | Asset Qualification Meets Guideline Requirements; Still Missing evidence of the wire or check showing gift funds from the donor's account. Please provide. | 10/01/2025 | Borrower has stable job time - \| Qualifying DTI below max allowed. - A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86408 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2025 | Resolved | FCRE6737 | Credit | Missing Letter of Explanation (Income) | Borrower to provide signed LOE stating name of their business, how it is set up (Inc., LLC, etc.), what their business does and the number of employees. | Uploading S/E LOE. | 09/22/2025 | XXX provided Self-Employment Questionnaire. | 09/23/2025 | Borrower has stable job time - \| Qualifying DTI below max allowed. - A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86408 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2025 | Resolved | FCRE1964 | Credit | Missing income documentation | The Articles of Incorporation and CPA letter show company owner name that does not match the borrower's full name. Provide letter from the CPA to confirm the borrower, using full name, as owner. GL XX/XX/XXXX & IX ACCEPTABLE EVIDENCE OF XXX BUSINESS | The name variance is noted on the credit report and is covered in the AKA Statement signed at docs. It is common for borrowers to not use their full legal name in favor of a shortened version thereof. | 09/22/2025 | XXX's response below is acceptable. | 09/23/2025 | Borrower has stable job time - \| Qualifying DTI below max allowed. - A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86408 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/19/2025 | Borrower has stable job time - \| Qualifying DTI below max allowed. - A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86408 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/19/2025 | Borrower has stable job time - \| Qualifying DTI below max allowed. - A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86377 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Documentation to support the borrower's self-employment in a legitimate and active business covering the most recent two years is required. Provide; tax preparer/CPA letter explaining length of time the business has been operating and the borrower percentage of ownership. In addition, provide Tax preparer's license verification, from municipal, State or federal licensing boards or proof of their business' existence. GL XX/XX/XXXX | Uploading Certificate of Organization | 09/22/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided | 09/23/2025 | Borrower has stable job time - Borrower has XXX years on job. is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 86377 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2025 | Acknowledged | FCRE9500 | Credit | Missing Letter of Explanation (Assets) | The XXX EMD funds came from the borrower's business account. Provide a letter from the borrower as to the impact on the business. GL XX/XX/XXXX | Uploading updated ULAW with comp factors - please see other exception for ULAW. | 09/22/2025 | ; Lender exception approval provided - OK per Jared S to proceed with property zoning. Ok per XXX to accept gift funds letter and cashiers check as is. Ok per XXX for missing business impact LOE. Comp factors XXX FICO, XXX% DTI, 77.29% LTV, S/E XXX yrs.. | 09/23/2025 | Borrower has stable job time - Borrower has XXX years on job. is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 86377 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2025 | Acknowledged | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements A XXX gift letter shows gift coming from XXX #XXX. A copy of XXX Cashiers Check from donor is in the file. Provide evidence the funds transferred from the donors account as Stated in the gift letter and the amount of gift must match the gift letter. GL XX/XX/XXXX | Document Uploaded. Uploading updated ULAW with comp factors. | 09/22/2025 | Lender exception approval provided - OK per Jared S to proceed with property zoning. Ok per XXX to accept gift funds letter and cashiers check as is. Ok per XXX for missing business impact LOE. Comp factors XXX FICO, XXX% DTI, 64.96% LTV, S/E XXX yrs.. | 09/23/2025 | Borrower has stable job time - Borrower has XXX years on job. is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 86377 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2025 | Acknowledged | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The subject is a manufactured home on XXX acres in a rural location. The appraisal shows it zoned agricultural. The borrower's letter of explanation for purchasing the subject is to run beef cows on it. Agricultural use properties with animals of any kind are not considered acceptable collateral. GL XX/XX/XXXX | Uploading updated ULAW with comp factors. | 09/22/2025 | Lender exception approval provided - OK per Jared S to proceed with property zoning. Ok per XXX to accept gift funds letter and cashiers check as is. Ok per XXX for missing business impact LOE. Comp factors XXX FICO, XXX% DTI, 64.96% LTV, S/E XXX yrs.. | 09/23/2025 | Borrower has stable job time - Borrower has XXX years on job. is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 86377 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/19/2025 | Borrower has stable job time - Borrower has XXX years on job. is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 86377 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2025 | Acknowledged | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Underwriting Loan Approval Worksheet (ULAW), reflects tax of XXX and DTI XXX%. The tax amount is $XXX. Provide final correct ULAW. |  |  | Acknowledged as 2/B grading per client request. | 09/19/2025 | Borrower has stable job time - Borrower has XXX years on job. is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | A | A D C | A D C | A D C | A D C | A D C | A B | A B | A B | A B | A B | A |
| 86389 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $ 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 CLTV of 77.29% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure required. Refund in the amount of XXX cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The file is missing a valid COC to support increase of the following fees: - The Appraisal Fee increased from XXX to XXX on the revised LE dated XX/XX/XXXX without a valid reason. The COC indicates UW approved but there was no valid reason given for the increase The file contains a COC dated XXX/XXX/XXX, which reflected "Appraisal fee was increased to XXX approved by QC." The COC does not provide a clear reason for the increase of this fee. | Document Uploaded. Changed Circumstance document has been uploaded.; Condition XXX was cleared by the underwriter on XXX/XXX, which is the same day that the appraisal fee was adjusted to match the newly approved invoice. Exception triggered in error. | 09/25/2025 | Per client, increase in appraisal fee due to rural characteristics of property and comparables.; Receipt of an invoice is not a valid reason for a fee to change, provide clarification on the reason for the fee to increase; The COC did not contain the reason the appraisal cost increased from the original disclosed amount. Provide clarification or cure | 10/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 86389 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Provide proof of self-employment for the last two years to include ownership percentage. If using Tax Preparers Letter, MUST be on tax preparers letterhead, signed and dated Tax preparer MUST provide their license verification from municipal, State or federal licensing boards or proof of their business existence. GL XX/XX/XXXX | Uploading CPA letter and verification. | 09/22/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided | 09/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 86389 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2025 | Resolved | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Provide proof of self-employment for the last two years to include ownership percentage. If using Tax Preparers Letter, MUST be on tax preparers letterhead, signed and dated Tax preparer MUST provide their license verification from municipal, State or federal licensing boards or proof of their business existence. GL XX/XX/XXXX | Uploading CPA letter and verification. | 09/22/2025 | Borrower 2 3rd Party VOE Prior to Close Was Provided or XXX (Number of Borrowers equals XXX) | 09/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 86389 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2025 | Acknowledged | FCRE9500 | Credit | Missing Letter of Explanation (Assets) | The XXX Earnest Money came from the borrowers business account. Provide a letter from the borrower describing the impact on the business. GL XX/XX/XXXX | Uploading updated ULAW with comp factors - please see other exception for ULAW. | 09/22/2025 | Lender exception approval provided - Ok per Jared S. for XXX loan amount. Ok per XXX for missing business impact LOE. Comp factors XXX FICO, XXX% DTI, both borrowers S/E XXX yrs, significant reserves after closing.. | 09/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 86389 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Provide a letter from the co-borrower that the borrower has lived rent free for the previous XXX months. GL XX/XX/XXXX | XXX guidelines do not require a rent-free letter, the 1003 merely needs to State so. | 09/22/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. | 09/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 86389 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2025 | Acknowledged | 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 The subject is on XXX acres, public services are not available (private septic, well and gas), and zoning is Exclusive Agricultural Zone. All comparable sales on the appraisal are over XXX miles away. A property maybe classified as rural if on more than XXX acres of land, does not have XXX utilities available in service. The Lender priced the subject as rural. The maximum loan amount for rural properties is XXX | Uploading updated ULAW with comp factors. | 09/22/2025 | Lender exception approval provided - Ok per Jared S. for XXX loan amount. Ok per XXX for missing business impact LOE. Comp factors XXX FICO, XXX% DTI, both borrowers S/E XXX yrs, significant reserves after closing.. | 09/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 86358 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2025 | Acknowledged | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Underwriting Loan Approval Worksheet (ULAW), reflects tax of XXX and HI of $XXX. The documented tax is XXX and HI is $XXX. Provide the final updated ULAW. |  |  | Acknowledged as 2/B grading per client request. | 09/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Original CLTV is Below the Guideline Maximum - Calculated LTV of 27.29% is less than Guideline LTV of 27.29% 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 27.29% is less than Guideline LTV of 36.36% is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 86358 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.36% is less than Guideline CLTV of 36.36% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated CLTV of 36.36% is less than Guideline CLTV of 36.36% is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 86358 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.36% is less than Guideline CLTV of 36.36% Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original LTV is Below the Guideline Maximum - Calculated CLTV of 36.36% is less than Guideline CLTV of 36.36% is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 86286 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/22/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check the entity; XXX and XXX with Exclusionary lists. | Uploaded DV for clearance. | 09/23/2025 | All Interested Parties Checked against Exclusionary Lists | 09/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86286 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/22/2025 | Acknowledged | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXX months reserves are required. Reserves must be in the applicants account for a period of XXX days. The XXX #XXX Statement shows large wires deposited from the sale of XXX. Reserves from an owned asset can be converted to liquid and does not require seasoning, so long as the asset was owned for greater than XXX days. Provide proof of ownership greater than XXX days with the property report for XXX, or XXX Bank Statement with XXX reserves. GL XX/XX/XXXX | Uploading updated ULAW with comp factors. | 09/24/2025 | Lender exception approval provided - Updated price match to XXX discount with XX/XX/XXXX LPC, DSCR XXX exception. Ok per XXX for 64.96% LTV and ok per XXX for taking reserve funds as-is. Comp factors XXX FICO, XXX yrs clean credit history, subject C3 condition with kitchen and bathroom recently remodeled.. | 09/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86286 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/22/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited CLTV of 77.29% exceeds Guideline CLTV of 77.29% The maximum HLTV for purchase with DSCR < XXX is XXX% | Uploading updated ULAW with comp factors. | 09/24/2025 | Lender exception approval provided - Updated price match to XXX discount with XX/XX/XXXX LPC, DSCR XXX exception. Ok per XXX for 64.96% LTV and ok per XXX for taking reserve funds as-is. Comp factors XXX FICO, XXX yrs clean credit history, subject C3 condition with kitchen and bathroom recently remodeled.. | 09/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86286 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/22/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited LTV of 77.29% exceeds Guideline LTV of 77.29% The maximum CLTV for purchase with DSCR < XXX is XXX% | Uploading updated ULAW with comp factors. | 09/24/2025 | Lender exception approval provided - Updated price match to XXX discount with XX/XX/XXXX LPC, DSCR XXX exception. Ok per XXX for 5% CLTV and ok per XXX for taking reserve funds as-is. Comp factors XXX FICO, XXX yrs clean credit history, subject C3 condition with kitchen and bathroom recently remodeled.. | 09/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86286 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/22/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 90% exceeds Guideline LTV of 90% The maximum LTV for purchase with DSCR < XXX is XXX% | Uploading updated ULAW with comp factors. | 09/24/2025 | Lender exception approval provided - Updated price match to XXX discount with XX/XX/XXXX LPC, DSCR XXX exception. Ok per XXX for 5% CLTV and ok per XXX for taking reserve funds as-is. Comp factors XXX FICO, XXX yrs clean credit history, subject C3 condition with kitchen and bathroom recently remodeled.. | 09/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86286 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86286 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/22/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86274 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 09/22/2025 | is Greater than the Guideline Minimum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86274 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/22/2025 | is Greater than the Guideline Minimum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86274 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/22/2025 | is Greater than the Guideline Minimum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86199 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/22/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The Note for the subject existing mortgage shows 1st payment due July XXX Provide the canceled check or bank Statement from the borrowers account to verify the payment. GL XX/XX/XXXX | Uploading proof of subject mortgage payments for XX/XX/XXXX – XXX/XXX. | 09/23/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. | 09/25/2025 | Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - \| Original CLTV is Below the Guideline Maximum - \| is Greater than the Guideline Minimum - A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86199 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/22/2025 | Acknowledged | FPRO1502 | Property | HOA Does Not Meet Guidelines | HOA Does Not Meet Guidelines The HOA certification question; is there pending litigation against the subject- was not answered. Provide the completed HOA Cert. | Uploading updated ULAW with comp factors | 09/24/2025 | Lender exception approval provided - XX/XX/XXXX XXX RE: XXX% XXX yr I/O no PPP. Ok per XXX for HOA question not answered. Comp factors XXX FICO, XXX% DTI, 5% CLTV, significant reserves with cash out. | 09/25/2025 | Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - \| Original CLTV is Below the Guideline Maximum - \| is Greater than the Guideline Minimum - A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86199 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/22/2025 | Resolved | FCRE3500 | Credit | Borrower residency documentation not provided or issue with documentation | Provide the ss card or SSA-XXX results for B1 & B2. GL XX/XX/XXXX | Uploading SSA-XXX results. | 09/23/2025 | XXX provided SSN Match document. | 09/24/2025 | Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - \| Original CLTV is Below the Guideline Maximum - \| is Greater than the Guideline Minimum - A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86199 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/22/2025 | Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - \| Original CLTV is Below the Guideline Maximum - \| is Greater than the Guideline Minimum - A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86326 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/23/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Lender to provide final fraud report verifying all interested parties including the following: Appraiser, Escrow/Title Company | Document Uploaded. Uploaded DV for clearance. | 09/24/2025 | All Interested Parties Checked against Exclusionary Lists | 09/25/2025 | is Greater than the Guideline Minimum - \| Qualifying DTI below max allowed. - \| Borrower has stable job time - C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 86326 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/23/2025 | is Greater than the Guideline Minimum - \| Qualifying DTI below max allowed. - \| Borrower has stable job time - C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 86326 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/23/2025 | is Greater than the Guideline Minimum - \| Qualifying DTI below max allowed. - \| Borrower has stable job time - C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 86255 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/23/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86255 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 09/23/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86255 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/23/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86285 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/23/2025 | Original LTV is Below the Guideline Maximum - \| Original CLTV is Below the Guideline Maximum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86285 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 09/23/2025 | Original LTV is Below the Guideline Maximum - \| Original CLTV is Below the Guideline Maximum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86285 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/23/2025 | Original LTV is Below the Guideline Maximum - \| Original CLTV is Below the Guideline Maximum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86411 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/23/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited ##MJ## exceeds Guideline ##MJ## Max HLTV for a first time home buyer without satisfactory XXX months of rental history is XXX% ##MJ## is over the max allowed. | Uploading updated ULAW with comp factors - see other exception for ULAW. | 09/24/2025 | Lender exception approval provided - approved rate match XXX% XXX - impounds reserves at XXX% DTI. OK per XXX for 5% CLTV/CLTV/HCLTV. Comp factors XXX% DTI, subject C3 condition. | 09/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86411 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/23/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited ##MJ## exceeds Guideline ##MJ## Max CLTV for a first time home buyer without satisfactory XXX months of rental history is XXX% ##MJ## is over the max allowed. | Uploading updated ULAW with comp factors | 09/24/2025 | Lender exception approval provided - approved rate match XXX% XXX - impounds reserves at XXX% DTI. OK per XXX for ##MX##/CLTV/HCLTV. Comp factors XXX% DTI, subject C3 condition. | 09/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86411 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/23/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited ##MJ## exceeds Guideline ##MJ## Max LTV for a first time home buyer without satisfactory XXX months of rental history is XXX% ##MJ## is over the max allowed. | Uploading updated ULAW with comp factors - see other exception for ULAW. | 09/24/2025 | Lender exception approval provided - approved rate match XXX% XXX - impounds reserves at XXX% DTI. OK per XXX for ##MX##/CLTV/HCLTV. Comp factors XXX% DTI, subject C3 condition. | 09/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86411 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/23/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in ##MJ## some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 09/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86411 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | 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. |  |  | Compliant | 09/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86395 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/23/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in ##MJ## some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 09/23/2025 | Borrower has stable job time - \| Qualifying DTI below max allowed. - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86395 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | 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. |  |  | Compliant | 09/23/2025 | Borrower has stable job time - \| Qualifying DTI below max allowed. - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86395 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | 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. |  |  | Compliant | 09/23/2025 | Borrower has stable job time - \| Qualifying DTI below max allowed. - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86230 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 09/23/2025 | Borrower has stable job time - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86230 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/23/2025 | Borrower has stable job time - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86230 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/23/2025 | Borrower has stable job time - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86276 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 09/24/2025 | Original LTV is Below the Guideline Maximum - \| Original CLTV is Below the Guideline Maximum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86276 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | 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. |  |  | Compliant | 09/24/2025 | Original LTV is Below the Guideline Maximum - \| Original CLTV is Below the Guideline Maximum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86315 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The XXX month bank Statement income program for XXX was used. Provide evidence of business existence for for the most recent XXX years and borrower as XXX% owner. Copy of the business license, Articles of Incorporation, operating agreement with recording date, or Tax preparer's letter with verification from municipal, State or federal licensing boards or proof of their business' existence. GL XX/XX/XXXX | Uploading proof of ownership for XXX. | 09/26/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided | 09/29/2025 | Qualifying DTI below max allowed. - \| is Greater than the Guideline Minimum - \| Borrower has stable job time - A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86315 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The Hud-XXX shows XXX earnest money deposit. Provide copy of the check or outgoing wire with certified escrow deposit receipt. GL XX/XX/XXXX | Uploading EMD receipt and clearance. | 09/26/2025 | Asset Qualification Meets Guideline Requirements | 09/29/2025 | Qualifying DTI below max allowed. - \| is Greater than the Guideline Minimum - \| Borrower has stable job time - A C | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86315 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | 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. |  |  | Compliant | 09/24/2025 | Qualifying DTI below max allowed. - \| is Greater than the Guideline Minimum - \| Borrower has stable job time - A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86275 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 09/24/2025 | Original LTV is Below the Guideline Maximum - \| is Greater than the Guideline Minimum - \| Original CLTV is Below the Guideline Maximum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86275 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | 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. |  |  | Compliant | 09/24/2025 | Original LTV is Below the Guideline Maximum - \| is Greater than the Guideline Minimum - \| Original CLTV is Below the Guideline Maximum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86421 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/23/2025 | Acknowledged | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines P&L income is prohibited when the property is considered a XXX condo. Exception found on loan approval for the income type. Exception granted for the use of P&L income using the LTV lower than XXX% DTI under guideline max XXX% and XXX months of reserves. P&L income is prohibited when the property is considered a XXX condo. Exception found on loan approval for the income type. Exception granted for the use of P&L income using the LTV lower than XXX% DTI under guideline max XXX% and XXX months of reserves. |  |  | Income and Employment Do Not Meet Guidelines P&L income is prohibited when the property is considered a XXX condo. Exception found on loan approval for the income type. Exception granted for the use of P&L income using the LTV lower than XXX% DTI under guideline max XXX% and XXX months of reserves. | 09/24/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 36.36% is less than Guideline CCLTV of 36.36% is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 36.36% is less than Guideline CCCLTV of 36.36% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86421 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV 26% is less than Guideline LTV 26% is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated CLTV 26% is less than Guideline CLTV 26% Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86421 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | 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. |  |  | Compliant | 09/24/2025 | Original LTV is Below the Guideline Maximum - Calculated ##OZ## is less than Guideline ##OZ## is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated C##OZ## is less than Guideline C##OZ## Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86397 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/24/2025 | Borrower has stable job time - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86397 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 09/24/2025 | Borrower has stable job time - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86397 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/24/2025 | Borrower has stable job time - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86410 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/24/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: [[##MJ##]] The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Documentation Required: Missing proof that the borrower received a copy of the Final LE dated XX/XX/XXXX at least XXX days prior to consummation | Document Uploaded. Signed final LE has been uploaded. | 09/26/2025 | Revised LE receipt date provided; Exception resolved; Revised LE receipt date provided; Exception resolved | 09/29/2025 | Borrower has stable job time - C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 86410 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 09/25/2025 | Borrower has stable job time - C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 86410 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/25/2025 | Borrower has stable job time - C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 86416 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Acknowledged | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Underwriting Loan Approval Worksheet, (ULAW), reflects Hazard Insurance of XXX per month. The CD reflects total Hazard Insurance of $XXX. Provide the final ULAW with correct Hazard Insurance. |  |  | Acknowledged as 2/B grading per client request. | 09/25/2025 | Original LTV is Below the Guideline Maximum - Calculated ##OZ## is less than Guideline ##OZ## Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated C##OZ## is less than Guideline C##OZ## is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C B | C B A | C B A | C B A | C B A | C B A | A B | A B | A B | A B | A |
| 86416 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/25/2025 | Original LTV is Below the Guideline Maximum - Calculated ##OZ## is less than Guideline ##OZ## Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated C##OZ## is less than Guideline C##OZ## is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C B | C B A | C B A | C B A | C B A | C B A | A B | A B | A B | A B | A |
| 86416 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met. Exception downgraded. |  |  | Compliant | 09/25/2025 | Original LTV is Below the Guideline Maximum - Calculated ##OZ## is less than Guideline ##OZ## Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated C##OZ## is less than Guideline C##OZ## is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C B | C B A | C B A | C B A | C B A | C B A | A B | A B | A B | A B | A |
| 86416 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in ##MJ## some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met. Exception downgraded. |  |  | Compliant | 09/25/2025 | Original LTV is Below the Guideline Maximum - Calculated ##OZ## is less than Guideline ##OZ## Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Original CLTV is Below the Guideline Maximum - Calculated C##OZ## is less than Guideline C##OZ## is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C B | C B A | C B A | C B A | C B A | C B A | A B | A B | A B | A B | A |
| 86420 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 09/25/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - \| Borrower has stable job time - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86420 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/25/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - \| Borrower has stable job time - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86420 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/25/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - \| Borrower has stable job time - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86424 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements A transaction printout from #XXX shows XXX EMD wired to escrow. Provide the certified escrow deposit receipt. GL XX/XX/XXXX |  |  | Asset Qualification Meets Guideline Requirements; EMD receipt provided. | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 86424 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | FCRE3843 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. One month bank Statement with #XXX was provided to document reserves. However, the required amount of reserves must be in the accounts for a period of at least XXX days. Provide the July # XXX Statement with sufficient reserves. GL XX/XX/XXXX | Document Uploaded. Uploading July #XXX Statement. | 09/29/2025 | The required number of months reserves are to be seasoned does meet Guideline requirement.; The required number of months reserves are to be seasoned does not meet Guideline requirement. | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 86424 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. A VOR from XXX, property manger was provided to verify rent pay-history. An LTV greater than XXX% allows a VOR from a Rental Agency or credit reporting agency. Provide XXX months canceled checks (front/back), or bank Statements which consistently show payment made for rent amount. GL XX/XX/XXXX | Document Uploaded. XX/XX/XXXX does not prohibit a VOR from a Rental Agency. Uploading proof the VOR was completed by a Property Management Company | 09/29/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 86424 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | 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) An ##MJ## requires XXX months reserves. The Lender exception allows for XXX months reserves. Provide XXX compensating factors. | Uploading updated ULAW with comp factors. | 09/29/2025 | Lender exception approval - Ok per XXX for XXX mos reserves. Comp factors XXX FICO, S/E XXX yrs, subject C3 condition | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 86424 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | 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. An LTV of 90% requires XXX months reserves. The Lender exception allows for XXX months reserves. Provide XXX compensating factors. | Uploading updated ULAW with comp factors. | 09/29/2025 | Lender exception approval - Ok per XXX for XXX mos reserves. Comp factors XXX FICO, S/E XXX yrs, subject C3 condition | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 86424 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 86424 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 86407 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/25/2025 | Borrower has stable job time - \| Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86407 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 09/25/2025 | Borrower has stable job time - \| Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86407 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/25/2025 | Borrower has stable job time - \| Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86373 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $ 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 LTV of 90% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. Please review the attached COE. | 09/29/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Resolved; Documentation required to clear exception: TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The Tolerance violation in the amount of XXX is due to Increase from XXX to XXX for the Credit Report on Final CD XXX/XXX/XXX, no COC provided. | 10/09/2025 | is Greater than the Guideline Minimum - \| Borrower has stable job time - \| Qualifying DTI below max allowed. - C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 86373 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | 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. (LTV of 90%]] The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures 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 §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | Document Uploaded. Please review 2nd COE. ; Document Uploaded. Please review the attached COE. | 10/09/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure provided was for the XXX tolerance violation for the credit report, no documentation was provided to resolve or cure the tolerance exception. ; Documentation required to clear exception: TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The Tolerance violation in the amount of XXX is due to Increase from XXX to XXX for the Recording Fee on Final CD XXX/XXX/XXX. No COC provided.; Resolved | 10/09/2025 | is Greater than the Guideline Minimum - \| Borrower has stable job time - \| Qualifying DTI below max allowed. - C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 86373 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/25/2025 | is Greater than the Guideline Minimum - \| Borrower has stable job time - \| Qualifying DTI below max allowed. - C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 86373 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 09/25/2025 | is Greater than the Guideline Minimum - \| Borrower has stable job time - \| Qualifying DTI below max allowed. - C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 86351 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in LTV of 90% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 09/25/2025 | Borrower has stable job time - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86351 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/25/2025 | Borrower has stable job time - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86351 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 09/25/2025 | Borrower has stable job time - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86320 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The #XXX has a XXX deposit, is sourced to XXX #XXX, account holder is XXX. Provide proof the borrower is owner of XXX funds must be sourced. GL XX/XX/XXXX | The #XXX has a XXX deposit, is sourced to XXX #XXX, account holder is XXX. Provide proof the borrower is owner of XXX funds must be sourced. GL XX/XX/XXXX XX/XX/XXXX If this amount is backed out, the borrower still has sufficient funds to close. | 09/30/2025 | Asset Qualification Meets Guideline Requirements | 10/01/2025 | is Greater than the Guideline Minimum - C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 86320 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/26/2025 | is Greater than the Guideline Minimum - C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 86320 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | 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. |  |  | Compliant | 09/26/2025 | is Greater than the Guideline Minimum - C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 86316 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided The Underwriting Loan Approval Worksheet (ULAW) shows XXX "other" included in the subject PITI. Provide documentation to verify what the payment represents. | Uploading updated ULAW removing "other" from subject PITI | 09/30/2025 | Hazard Insurance Policy is fully present | 10/01/2025 | is Greater than the Guideline Minimum - \| Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86316 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/26/2025 | is Greater than the Guideline Minimum - \| Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86316 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | 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. |  |  | Compliant | 09/26/2025 | is Greater than the Guideline Minimum - \| Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86367 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/26/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: [[LTV of 90%]] The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Documentation Required: Missing proof that the borrower received the LE dated XX/XX/XXXX at least XXX days prior to consummation | Document Uploaded. ; There is no disclosure dated XXX/XXX. A re-disclosure package was issued on XXX/XXX/XXX. The borrowers did not open the email containing the disclosures until XXX/XXX, and XXX applies the date that the package is opened to the LE. The package details sent indicate that the borrower's opened the XX/XX/XXXX package on XXX/XXX, which caused the date to appear as such. We cannot send you the XX/XX/XXXX package because that package does not exist. We have uploaded a screenshot of the XXX page showing that no disclosure was issued on that date. Please review the three uploaded documents from today for additional guidance.; Document Uploaded. There is no disclosure dated XXX/XXX. A re-disclosure package was issued on XXX/XXX/XXX. The borrowers did not open the email containing the disclosures until XXX/XXX, and XXX applies the date that the package is opened to the LE. The package details sent indicate that the borrower's opened the XX/XX/XXXX package on XXX/XXX, which caused the date to appear as such. We cannot send you the XX/XX/XXXX package because that package does not exist. We have uploaded a screenshot of the XXX page showing that no disclosure was issued on that date. Please review the three uploaded documents from today for additional guidance. ; Please review the attachment in two places in the finding screen. Please let us know if it cannot be seen, thank you.; Please review the attachment in two places in the finding screen. Please let us know if it cannot be seen, thank you. ; The file labeled "Package Details - Doc Magic" is the esign receipt for the XX/XX/XXXX package. I've uploaded the unsigned XX/XX/XXXX package.; There is no disclosure dated XXX/XXX. A re-disclosure package was issued on XXX/XXX/XXX. The borrowers did not open the email containing the disclosures until XXX/XXX, and XXX applies the date that the package is opened to the LE. The package details sent indicate that the borrower's opened the XX/XX/XXXX package on XXX/XXX, which caused the date to appear as such. I cannot send you the XX/XX/XXXX package because that package does not exist. I have uploaded a screenshot of the XXX page showing that no disclosure was issued on that date. If you cannot solve this, we will have to set up a call with XXX management to resolve so that the process can be explained to someone else.; Package Details_XXX that was uploaded is the file in question.; I have uploaded the XXX e-sign receipt showing that, although the LE was sent to the borrower on XXX/XXX, it was not opened and signed until XXX/XXX, which is why the date appears as such on the LE. Loan was closed on XXX/XXX, which was XXX business days after receipt of the LE.; Document Uploaded. Signed final LE has been uploaded. | 10/22/2025 | Evidence of Loan Estimate receipt, XXX/XXX/XXX, provided. ; The only documents uploaded to the exception contain XXX pages that does not have a esign certificate for the XX/XX/XXXX LE. If we missing it please indicate the page number; Please re-upload; Nothing additional was uploaded; The lender response references the borrower having opened the LE dated XX/XX/XXXX on the XXX/XXX, provide the XXX esign certificate for the LE dated XX/XX/XXXX to resolve. The file provided only had XXX esign certificates for disclosures dated XXX/XXX, XXX/XXX, XX/XX/XXXX and XX/XX/XXXX but nothing for the XX/XX/XXXX disclosure ; Documentation provided was the duplicate to the loan file already reviewed and did not contain a signed LE or a XXX esign certificate that shows receipt for the LE dated XXX/XXX/XXX. Please re-upload esign receipt to review or provide the page number. All esign documents in file provided were not for the revised LE; Documentation provided was the duplicate to the loan file already reviewed and did not contain a signed LE or a XXX esign certificate that shows receipt for the LE dated XXX/XXX/XXX. Please re-upload esign receipt to review; Documentation provided did not contain a signed LE dated XXX/XXX/XXX; Documentation provided was the duplicate to the loan file already reviewed and did not contain a signed LE or a XXX esign certificate that shows receipt for the LE dated XXX/XXX/XXX. Please re-upload esign receipt to review or provide the page number. All esign documents in file provided were not for the revised LE | 10/22/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - \| Borrower has stable job time - \| is Greater than the Guideline Minimum - A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 86367 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/26/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 09/26/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - \| Borrower has stable job time - \| is Greater than the Guideline Minimum - A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 86367 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/26/2025 | Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - \| Borrower has stable job time - \| is Greater than the Guideline Minimum - A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 86360 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/26/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The appraisal shows Owner of Public record: XXX X XXX . The Title shows subject is vested inXXX XXX. Provide appraisal that reflects vested owner XXXX XXX. | XXX is considering this to be a typo on the appraisal. The address and APN match so they are certainly the same property, just an error on the owner of record | 09/29/2025 | Property/Appraisal Meets Guidelines | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86360 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/26/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The Lender used a VOR from a private party to verify rent payments. VOR from a private party requires XXX% or less LTV. Lender exception in the file. Compensating factor is; not a FTHB, no late payments on credit report and excess assets. The Lender used a VOR from a private party to verify rent payments. VOR from a private party requires XXX% or less LTV. Lender exception in the file. Compensating factor is; not a FTHB, no late payments on credit report and excess assets. |  |  | Lender exception in the file. Compensating factor is; not a FTHB, no late payments on credit report and excess assets. | 09/26/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86360 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/26/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86298 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXX The loan application assets section does not reflect the source of funds for closing. Provide loan application's from each borrower to reflect the source of funds for closing. GL XX/XX/XXXX A copy of the XXX EMD check is in the file. Provide the certified escrow deposit receipt. GL XX/XX/XXXX | Uploading updated 1003's showing funds to close. Also uploading EMD receipt | 09/30/2025 | Asset Qualification Meets Guideline Requirements | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated ##OZ## is less than Guideline ##OZ## is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated C##OZ## is less than Guideline C##OZ## A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86298 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts The fraud report schedule of real eState shows XXX. and XXX. in XXX. owned by the borrower. Provide property reports to verify ownership. | DataVerify does not indicate any F/C activities in the last XXX years, borrower is not claiming either of these properties and there are no unaccounted-for mortgages on credit. As this is a DSCR, the presence of any REO is not relevant to qualification since those mortgages do not need to be tracked, and there are no public records for any current F/C activity. | 09/30/2025 | All Fraud Report Alerts have been cleared or None Exist | 10/01/2025 | Original LTV is Below the Guideline Maximum - Calculated ##OZ## is less than Guideline ##OZ## is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated C##OZ## is less than Guideline C##OZ## A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86298 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | 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. |  |  | Compliant; Compliant; Acknowledged as 2/B grading per client request.; Compliant | 09/29/2025 | Original LTV is Below the Guideline Maximum - Calculated ##OZ## is less than Guideline ##OZ## is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated C##OZ## is less than Guideline C##OZ## A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86298 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant; Compliant; Acknowledged as 2/B grading per client request.; Compliant | 09/29/2025 | Original LTV is Below the Guideline Maximum - Calculated ##OZ## is less than Guideline ##OZ## is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated C##OZ## is less than Guideline C##OZ## A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86298 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2025 | Acknowledged | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Underwriting Loan Approval Worksheet (ULAW), reflects incorrect interest rate and P&I for the subject. In addition, the HOA fee is not listed on the ULAW. Provide the final ULAW which reflects the correct P&I and HOA in the subject monthly payment. |  |  | Acknowledged as 2/B grading per client request. | 09/29/2025 | Original LTV is Below the Guideline Maximum - Calculated ##OZ## is less than Guideline ##OZ## is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Original CLTV is Below the Guideline Maximum - Calculated C##OZ## is less than Guideline C##OZ## A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86352 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/26/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower is S/E, a VVOE would not be completed at closing | 10/01/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided | 10/01/2025 | Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - \| Original CLTV is Below the Guideline Maximum - D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86352 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/26/2025 | Resolved | FCRE2900 | Credit | Borrower Non-XXX Identification Document Missing | Non XXX Borrower is missing Identification Document. | Loan closed as an ITIN. Uploading ITIN letter | 10/01/2025 | Borrower Identification Document provided. | 10/01/2025 | Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - \| Original CLTV is Below the Guideline Maximum - D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86352 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/26/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in LTV of 90% some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant; Acknowledged as 2/B grading per client request.; Compliant | 09/29/2025 | Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - \| Original CLTV is Below the Guideline Maximum - D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86352 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant; Compliant; Acknowledged as 2/B grading per client request.; Compliant | 09/29/2025 | Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - \| Original CLTV is Below the Guideline Maximum - D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86287 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE2007 | Credit | Loan Agreement Missing | Missing loan agreement as required per guidelines or as referenced in the loan file. | This is not an entity loan, there is no loan agreement other than the Note. | 09/30/2025 | Loan Agreement Present | 10/01/2025 | is Greater than the Guideline Minimum - D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 86287 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE2500 | Credit | Missing Personal Guaranty | Missing Personal Guaranty. | This is not an entity loan, there is no personal guaranty. | 09/30/2025 | Personal Guaranty provided.; Missing Personal Guaranty. | 10/01/2025 | is Greater than the Guideline Minimum - D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 86287 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO1245 | Property | Appraisal is Expired | Primary Value Appraisal is Expired | Uploading recert of value for the XXX day expiration but the XXX day expiration would have been XX/XX/XXXX and we closed the loan on XXX/XXX. | 09/30/2025 | Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist | 10/01/2025 | is Greater than the Guideline Minimum - D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 86287 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Need additional liquid funds. | For Business Purpose loans needing less than $50K to qualify per Sec XXX the funds need only be listed on the 1003, which they are. | 09/30/2025 | Asset Qualification Meets Guideline Requirements | 10/01/2025 | is Greater than the Guideline Minimum - D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 86287 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant; Compliant; Acknowledged as 2/B grading per client request.; Compliant | 09/29/2025 | is Greater than the Guideline Minimum - D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 86294 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check the settlement (escrow agent), title company, loan processor and underwriter with the Exclusionary lists. | Document Uploaded. Please review the updated fraud report. ; Uploaded DV for clearance. | 10/03/2025 | All Interested Parties Checked against Exclusionary Lists; Attached DV failed to load. Please re-upload. | 10/06/2025 | is Greater than the Guideline Minimum C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 86294 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The existing Note shows monthly payments due for $XXX. Images showing the front of checks/carbons, (signature blocked out & no account number), paid to the Lender from XX/XX/XXXX - XXX/XXX for XXX are in the file. Provide images of the back of each check to verify the mortgage payments. GL XX/XX/XXXX | Uploading pay history from lender which is acceptable as this is not a private party lender but rather an institutional lender. | 09/30/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. | 10/06/2025 | is Greater than the Guideline Minimum C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 86294 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant; Compliant; Acknowledged as 2/B grading per client request.; Compliant | 09/29/2025 | is Greater than the Guideline Minimum C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 86294 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant; Compliant; Acknowledged as 2/B grading per client request.; Compliant | 09/29/2025 | is Greater than the Guideline Minimum C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 86385 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/29/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The bank Statements show the borrower has XXX in liquid assets and XXX in securities. The Closing Disclosure shows funds to close = $XXX. Provide verification showing liquidation of XXX for funds to close. GL XX/XX/XXXX | Per GL's XXX when funds are held at the same bank, documenting transfer of funds to brokerage liquid account (Money Market account) is not required, provided the borrower has control of the funds within that institution. | 09/30/2025 | Asset Qualification Meets Guideline Requirements | 10/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86385 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/29/2025 | Acknowledged | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. A XXX gift letter is in the file. Provide proof of receipt of funds from the source listed on the gift letter. GL XX/XX/XXXX | Uploading updated ULAW with comp factors | 09/30/2025 | Lender exception approval provided - Ok per XXX for missing receipt of gift. Comp factors XXX FICO, XXX% DTI, ##MX##, S/E XXX yrs.. | 10/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86385 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant; Compliant; Acknowledged as 2/B grading per client request.; Compliant | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86385 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant; Compliant; Acknowledged as 2/B grading per client request.; Compliant | 09/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86399 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant; Acknowledged as 2/B grading per client request.; Compliant | 09/29/2025 | is Greater than the Guideline Minimum - \| Borrower has stable job time - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86399 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant; Acknowledged as 2/B grading per client request.; Compliant | 09/29/2025 | is Greater than the Guideline Minimum - \| Borrower has stable job time - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86399 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant; Acknowledged as 2/B grading per client request.; Compliant | 09/29/2025 | is Greater than the Guideline Minimum - \| Borrower has stable job time - A | A | A | A | A | A | A | A | A | A | A | A | A |
| 86398 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/29/2025 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | Need fully executed lese agreement for XXX Thornsby Court | Uploading Zillow rent estimate for departure property. Lease agreement is not required as XXX% of market rent was used to help offset payment and DTI was hit for the difference - ($XXX\*XXX%=$XXX) rents applied and DTI hit for XXX | 10/01/2025 | Rent estimate provided. | 10/01/2025 | Borrower has stable job time - \| is Greater than the Guideline Minimum - D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86398 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant; Compliant; Acknowledged as 2/B grading per client request.; Compliant | 09/29/2025 | Borrower has stable job time - \| is Greater than the Guideline Minimum - D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86398 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant; Compliant; Acknowledged as 2/B grading per client request.; Compliant | 09/29/2025 | Borrower has stable job time - \| is Greater than the Guideline Minimum - D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 86417 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/29/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Verification of rent has been requested. | Document Uploaded. Uploading rent payment for XX/XX/XXXX – XX/XX/XXXX | 10/01/2025 | Housing History Meets Guideline Requirements | 10/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A D B | A D B | A D B | A D B | A D B | A B | A B | A B | A B | A B | A |
| 86417 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/29/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. | Uploading rent payment for XX/XX/XXXX – XX/XX/XXXX | 10/01/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 10/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A D B | A D B | A D B | A D B | A D B | A B | A B | A B | A B | A B | A |
| 86417 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/29/2025 | Acknowledged | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing | Uploading VVOE and updated ULAW with comp factors. | 10/02/2025 | Lender exception approval provided - Ok per XXX for VVOE completed after funding. Comp factors XXX FICO, XXX% DTI, no negative credit whatsoever, subject C3 condition with recent remodels. XXX rate same as above & no impounds XXX mos reserves +dti @XXX%. ; Borrower 1 3rd Party VOE Prior to Close Missing | 10/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B | A | A D B | A D B | A D B | A D B | A D B | A B | A B | A B | A B | A B | A |
| 86417 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant; Compliant; Acknowledged as 2/B grading per client request.; Compliant | 09/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A D B | A D B | A D B | A D B | A D B | A B | A B | A B | A B | A B | A |
| 86417 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/29/2025 | Acknowledged | FPRO0951 | Property | Condo Approval Missing | Condo Approval Missing. Condo approval is Missing, please provide |  |  | Acknowledged as 2/B grading per client request. | 09/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B | A | A D B | A D B | A D B | A D B | A D B | A B | A B | A B | A B | A B | A |
| 86309 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited LTV of 90% exceeds Guideline LTV of 90% The Max CLTV for purchase with ITIN hip, Fico > XXX and subject in declining market is XXX% | Client provided attached documentation. | 10/01/2025 | Audited ##MX## is less than or equal to Guideline ##MX##; Document Uploaded. | 10/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86309 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited LTV of 90% exceeds Guideline LTV of 90% The Max HLTV for purchase with ITIN hip, Fico > XXX and subject in declining market is XXX% | Client provided attached documentation. | 10/01/2025 | Audited ##MX## is less than or equal to Guideline ##MX##; Document Uploaded. | 10/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86309 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 90% exceeds Guideline LTV of 90% The Max LTV for purchase with ITIN hip, Fico > XXX and subject in declining market is XXX% | Client provided attached documentation. | 10/01/2025 | Audited ##MX## is less than or equal to Guideline ##MX##; Per ULAW - Declining trend, is XXX% off top potential of borrower based on FICO XXX% - at ##MX## we meet the LTV controls. Also Guidelines State - Declining Market: -##MX## from the FICO/CLTV matrix, Matrix LTV for XXX FICO is XXX% it appears the lender reduced the LTV by XXX% to account for the ITIN borrower and Declining market, allowing for XXX% Max LTV. ; Document Uploaded. | 10/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86309 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/30/2025 | Acknowledged | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Underwriting Loan Approval Worksheet, (ULAW), reflects subject rent XXX and DSCR XXX. The Market rent is XXX Provide the final correct ULAW. |  |  | ; Acknowledged as 2/B grading per client request. | 09/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 86309 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 85570 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/8/2025 | Acknowledged | 9549556718 | Credit | Excessive LTV Ratio | LTV of 90% >XXX% Maximum allowed for all short term rental properties with a DSCR >= XX/XX/XXXX | XXX: Hello - we had our underwriter re-review and the loan does meet guidelines. Would you be so kind as to review and advise? Thanks! |  | XXX: Waiver uploaded XXX: Based of Guideline Matrix, borrower is subject to an 5% CLTV with a Fico of XXX However, STR are subject to a Max 5% CLTV and a DSCR of greater than or equal to XX/XX/XXXX (DSCR of XXX+). | 7/28/2025 | Fico XXX points higher than minimum required. XXX months of reserves. C B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 85572 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/14/2025 | Cleared | 9587079753 | Property | Title Insurance Missing or Defective | The title file does not include the required "Its Successors and/or Assigns as Their Interests May Appear" (ISAOA) language. Please update the title commitment to reflect ISAOA for proper compliance. | XXX: Uploaded XXX: Uploaded Ttile |  | XXX: Received20250717: Title uploaded omits language relating to ISAOA, can you confirm doesn't make exceptions on this? If so, we will clear | 7/22/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 85572 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/14/2025 | Cleared | 9587563626 | Credit | Guarantor Identification Missing or Defective | Missing Borrower ID For XXX D XXXX |  |  |  | 7/16/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 85563 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/17/2025 | Cleared | 9648341069 | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED From xxx to XXX and XXX | XXX: Uploaded |  | XXX: Received | 7/23/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 85561 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/19/2025 | Cleared | 9651692279 | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED From XXX to XXX and XXX | XXX: Uploaded |  | XXX: Received | 8/27/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 85561 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/21/2025 | Cleared | 9651522718 | Credit | Insufficient Assets to Close | Borrower verified assets in the amount of XXX < XXX Minimum funds required at closing. Borrower short $XXX. | XXX: Uploaded |  | XXX: Received | 8/27/2025 | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 85561 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/18/2025 | Cleared | 9651596199 | Credit | Title Insurance Coverage - InXXX Coverage | Title Insurance Coverage of XXX < XXX Minimum required | XXX: Uploaded |  | XXX: Received | 8/25/2025 | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 85563 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/21/2025 | Cleared | 9651709670 | Credit | Insufficient Assets to Close | Borrower verified assets in the amount of XXX < XXX Minimum funds required at closing. Borrower short $XXX. | XXX: Uploaded |  | XXX: Received | 7/23/2025 | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 85585 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/24/2025 | Cleared | 9660848209 | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED Vishal Paliwal to XXX and Jaxon B XXXX | XXX: Uploaded |  | XXX: Received | 7/24/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 85578 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/24/2025 | Cleared | 401032089 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  | 1/0/1900 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85575 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/28/2025 | Cleared | 401031640 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  | 1/0/1900 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85595 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 7/28/2025 | Cleared | 401034606 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  | 1/0/1900 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85576 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/5/2025 | Cleared | 401031882 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  | 1/0/1900 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85608 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/5/2025 | Cleared | 401036195 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  | 1/0/1900 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85613 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/5/2025 | Cleared | 401037031 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  | 1/0/1900 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85564 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/6/2025 | Cleared | 9762659062 | Property | Title Insurance Missing or Defective | Title Insurance relfects subject property address as XXX. Title Insurance should reflect the address as XXX | XXX: Uploaded |  | XXX: Received | 8/27/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 85564 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/6/2025 | Cleared | 9762750124 | Property | Ineligible Property | Subject Property listed as Vacant on a Refi transaction. No history of recent renovations done to subject unit | Its an investment property Home was initially a SFR – and converted into a two unit condominium in XXX Occupancy – Vacant (currently departed - updated made as property was made into a condo with a newly built unit |  | XXX: Rescinded | 1/0/1900 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 85588 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/6/2025 | Acknowledged | 9763747687 | Credit | Minimum Loan Amount Not Met | Loan amount of XXX < XXX Minimum required per guidelines matrix. | XXX: Waived |  |  | 8/13/2025 | Fico XXX than minimum required, XXX months in reserves C B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 85607 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/6/2025 | Cleared | 9773131172 | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX and XXX | XXX: Uploaded |  | XXX: Received | 8/12/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 85609 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/7/2025 | Cleared | 9773000359 | Property | Non-Occupant Borrower Requirements Not Met | Subject Property listed as Owner Occupied on a Refinance Transaction | XXX: Borrower does not live at the subject property. |  |  |  | C B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 85609 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/6/2025 | Cleared | 9773039173 | Property | Ineligible Property | Subject Property missing lease on a Refi transaction. No history of recent renovations done to subject unit, treating as Vacant | XXX: Uploaded lease |  | XXX: Received | 9/12/2025 | C B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 85612 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/11/2025 | Cleared | 9794079180 | Credit | Insufficient Assets to Close | Insufficient Asstes: Borrower verified assets IAO XXX < XXX Minimum requird to close. Borrower short funds IAO $XXX. Please provide executed XXX Exchange IAO XXX that are currently being held (XXX-XXX). |  |  | XXX: Rescinded | 1/0/1900 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85612 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/11/2025 | Cleared | 9794086900 | Credit | Insufficient Assets for Reserves | Insufficient Reserves: Reseve requirement not meet. Reserves of XXX < XXX Months Minimum required |  |  | XXX: Rescinded | 1/0/1900 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85573 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/14/2025 | Cleared | 9823828898 | Property | Hazard Insurance Missing or Defective | Hazard Insurance Mortgagee doesn't reflect Lending Entity and ISAOA | XXX: Uploaded |  | XXX: Received | 9/23/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 86001 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/19/2025 | Cleared | 9866130167 | Property | Appraisal Missing or Defective | Property has a Condition of C5 |  |  | XXX: Appraisal Completion in file bringing condition up from C5 to C4. | 8/27/2025 | 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 |
| 85605 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/19/2025 | Acknowledged | 9866332131 | Property | Title Insurance Missing or Defective | The title file does not include the required "Its Successors and/or Assigns as Their Interests May Appear" (ISAOA) language. Please update the title commitment to reflect ISAOA for proper compliance. | XXX: Waive |  | XXX: Waived | 8/21/2025 | Fico XXX over minimum required, XXX months of Reserves C B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 85964 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/21/2025 | Cleared | 401033894 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  | 1/0/1900 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85594 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/21/2025 | Cleared | 401034517 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  | 1/0/1900 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85966 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/21/2025 | Acknowledged | 9875373646 | Credit | Non-Arms Length Transaction | Lease in-place has a tenant who's Last Name follows closely/matches the borrower's Last Name. This may indicate possible familial. Please provide LOE | approved Waiver |  | XXX: Waived | 10/13/2025 | Fico XXX ##OZ## C B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 85985 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/25/2025 | Cleared | 401037419 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  | 1/0/1900 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85621 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/27/2025 | Cleared | 9916235310 | Property | Title Insurance Missing or Defective | The title file does not include the required "Its Successors and/or Assigns as Their Interests May Appear" (ISAOA) language. Please update the title commitment to reflect ISAOA for proper compliance. | XXX: Uploaded |  | XXX: Received | 8/28/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 85970 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/26/2025 | Cleared | 401035250 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  | 8/26/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85617 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/27/2024 | Cleared | 9916555034 | Credit | Closing Protection Letter Missing or Defective | The closing protection letter file does not include the required "Its Successors and/or Assigns as Their Interests May Appear" (ISAOA) language. Please update the closing protection letter to reflect ISAOA for proper compliance. | XXX: Uploaded lease |  | XXX: Received | 9/16/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 85994 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/27/2024 | Cleared | 9916606465 | Credit | Closing Protection Letter Missing or Defective | The closing protection letter file does not include the required "Its Successors and/or Assigns as Their Interests May Appear" (ISAOA) language. Please update the closing protection letter to reflect ISAOA for proper compliance. | XXX: Uploaded |  | XXX: Received | 9/22/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 85994 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/27/2024 | Cleared | 9916604136 | Property | Title Insurance Missing or Defective | The title file does not include the required "Its Successors and/or Assigns as Their Interests May Appear" (ISAOA) language. Please update the title commitment to reflect ISAOA for proper compliance. | XXX: Uploaded |  | XXX: Received | 9/22/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 85994 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/27/2024 | Cleared | 9916602521 | Credit | Deed Missing or Defective | Missing evidence of Deed. | XXX: Uploaded |  | XXX: Received | 9/16/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 85994 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/27/2024 | Cleared | 9916599108 | Credit | Closing Documentation Missing or Defective | Missing Operating Agreement betweenXXX and XXX to prove proof of ownership as title has been transferred from XXX toXXX |  |  | XXX: Rescinded | 1/0/1900 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 86004 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/26/2025 | Cleared | 401040151 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  | 1/0/1900 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 86010 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/29/2025 | Cleared | 9957736170 | Credit | Closing Protection Letter Missing or Defective | The closing protection letter file does not include the required "Its Successors and/or Assigns as Their Interests May Appear" (ISAOA) language. Please update the closing protection letter to reflect ISAOA for proper compliance. | XXX: Uploaded |  | XXX: Received | 9/16/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 86010 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/29/2025 | Cleared | 9957737196 | Credit | Title Insurance Missing or Defective | The title file does not include the required "Its Successors and/or Assigns as Their Interests May Appear" (ISAOA) language. Please update the title commitment to reflect ISAOA for proper compliance. | XXX: Uploaded |  | XXX: Received | 9/16/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 86010 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/29/2025 | Cleared | 9957733145 | Property | Deed Missing or Defective | Missing evidence of Deed. | XXX: Uploaded |  | XXX: Received | 9/16/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 86010 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/29/2025 | Cleared | 9957731105 | Credit | Closing Documentation Missing or Defective | Missing Operating Agreement betweenXXX and XXX to prove proof of borrower ownership as sales contract reflects buyer asXXX. |  |  |  | 1/0/1900 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 86010 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/29/2025 | Cleared | 9957739632 | Property | Hazard Insurance Missing or Defective | The hazard insurance file does not include the required "Its Successors and/or Assigns as Their Interests May Appear" (ISAOA) language. Please update the hazard insurance to reflect ISAOA for proper compliance. | XXX: Uploaded |  | XXX: Received | 9/16/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 85967 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/2/2025 | Cleared | 401034767 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  | 1/0/1900 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 86005 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/26/2025 | Cleared | 401040226 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  | 1/0/1900 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85990 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/26/2025 | Cleared | 401038366 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  | 1/0/1900 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85975 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/4/2025 | Cleared | 9978929976 | Property | Title Insurance Missing or Defective | Missing evidence of Operating Agreement and Good standing from XXX as Title has been transferred from XXX to XXX | XXX: Uploaded Recorded Deed/Email from borrower stating it was never in an LLC |  | XXX: Cleared | 9/8/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 85981 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/5/2025 | Cleared | 10003988774 | Credit | Closing Protection Letter Missing or Defective | Missing Closing Protection Letter. | XXX: Uploaded |  | XXX: Received; cleared | 9/10/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 85981 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/5/2025 | Cleared | 10004033532 | Property | Hazard Insurance Missing or Defective | Hazard Insurance Policy does not include Loss of Rents coverage. | XXX: Uploaded |  | XXX: Received; cleared | 9/10/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 86019 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/8/2025 | Cleared | 10004198147 | Property | Ineligible Property | Property located in an Ineligible geographic location, XXX. |  |  | XXX: Cleared | 9/9/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 86016 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/5/2025 | Cleared | 10015656241 | Property | Title Insurance Missing or Defective | The title file does not include the required "Its Successors and/or Assigns as Their Interests May Appear" (ISAOA) language. Please update the preliminary title to reflect ISAOA for proper compliance. | XXX: Uploaded |  | XXX: Received; cleared | 9/10/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 86031 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/26/2025 | Cleared | Rescinded | Property | Title Insurance Coverage - InXXX Coverage | Title Insurance Coverage of XXX < XXX Minimum required |  |  |  | 1/0/1900 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 86029 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/9/2025 | Cleared | 401042608 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  | 9/9/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85982 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/10/2025 | Cleared | 10022808281 | Property | Appraisal Missing or Defective | Missing Appraisal Review Subject Property Located at: XXX New Street | XXX: Uploaded |  | XXX: Received | 9/23/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 86002 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/11/2025 | Cleared | 10034411140 | Property | Title Insurance Coverage - InXXX Coverage | Title Insurance Coverage of XXX < XXX Minimum required | XXX: Uploaded |  | XXX: Received | 9/25/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 85615 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/10/2025 | Cleared | 10034477678 | Property | Appraisal Missing or Defective | Missing Appraisal Review Subject Property Located at : XXX Bosque Blvd | XXX: Uploaded |  | XXX: Received | 9/23/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 85597 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/11/2025 | Cleared | 10048564576 | Property | Appraisal Missing or Defective | Missing Appraisal Report | XXX: Uploaded |  | XXX: Received | 9/22/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 85597 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/11/2025 | Cleared | 10048566014 | Credit | Deed Missing or Defective | Missing evidence of Deed. | XXX: Uploaded |  | XXX: Received | 9/22/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 85597 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/11/2025 | Cleared | 10048566522 | Credit | Closing Protection Letter Missing or Defective | Missing Closing Protection Letter. | XXX: Uploaded |  | XXX: Received | 9/22/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 85597 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/11/2025 | Cleared | 10048566821 | Property | Hazard Insurance Missing or Defective | Missing Evidence of Hazard Insurance. | XXX: Uploaded |  | XXX: Received | 9/22/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 85597 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/11/2025 | Cleared | 10048568980 | Property | Title Insurance Missing or Defective | Title Policy Document missing. | XXX: Uploaded |  | XXX: Received | 9/22/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 86022 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/9/2025 | Cleared | 10023218408 | Credit | Closing Documentation Missing or Defective | Prepay Discrepancy between Final CD and Prepayment Penalty Rider. Rider relfects XXX months interest payment if payed within the first XXX months in the amount of $XXX. Final CD relfects as high as XXX |  |  |  | 10/7/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 86024 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/10/2025 | Cleared | 10022959859 | Credit | Title Insurance Missing or Defective | The title file does not include the required "Its Successors and/or Assigns as Their Interests May Appear" (ISAOA) language. Please update the title commitment to reflect ISAOA for proper compliance. | XXX: Uploaded |  | XXX: Received | 9/16/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 85976 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/9/2025 | Cleared | 10012175610 | Credit | Title Insurance Coverage - InXXX Coverage | Missing evidence of Title Insurance Coverage | XXX: Uploaded |  | XXX: Received | 9/17/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 85996 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/26/2025 | Cleared | 401039095 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  | 1/0/1900 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 86000 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/26/2025 | Cleared | 401039208 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  | 1/0/1900 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 86021 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/9/2025 | Acknowledged | 10087072171 | Credit | Minimum Loan Amount Not Met | Loan amount of XXX < XXX Minimum required per guidelines matrix. | An exception has been granted to allow a $100k loan amount for the subject DSCR purchase. This exception is subject to an interest rate and/or pricing adjustment which has already been applied as discussed over the phone. This is not a credit approval; the application must meet all other relevant requirements and is subject to Underwriting review and approval. |  | XXX: Waived | 9/10/2025 | DSCR >XXX, Fico XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 85993 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/9/2025 | Cleared | 401038699 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  | 1/0/1900 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 86033 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/9/2025 | Cleared | 401043320 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  | 1/0/1900 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 86031 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/9/2025 | Cleared | 10015784564 | Credit | Ineligible Property | Subject Property listed as Vacant on a Refi transaction. No history of recent renovations done to subject unit | subject loan is an investment property R/T refi and was just purchased by the borrower on XX/XX/XXXX for XXX as a cash sale and not listed on the MLS (prior to that it was sold at sheriff sale on XX/XX/XXXX for $XXX). However, based upon the pictures and the appraiser indicating the condition is C3, it does appear the property was updated between when it sold at sheriff sale on XX/XX/XXXX and when the borrower purchased for XXX a month later |  | XXX: Rescinded | 1/0/1900 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85584 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/10/2025 | Cleared | 10033855265 | Property | Hazard Insurance Missing or Defective | Hazard Insurance Defective: Mortgagee on Insurance to relfected Lender with ISAOA | XXX: Uploaded |  | XXX: Received | 9/25/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 86028 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/26/2025 | Cleared | 401042606 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  | 1/0/1900 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85614 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/10/2025 | Acknowledged | 10033440542 | Credit | Maximum Loan Amount Exceeded | LTV of 90% >XXX% Maximum allowed. XXX% Reduction of LTV due to declining market. | XXX: Waive |  | XXX: Waived | 9/23/2025 | Fico XXX Months Reserves XXX C B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 85614 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/10/2025 | Cleared | 10033444913 | Property | Hazard Insurance Missing or Defective | Hazard Insurance Defective: Hazard Insruance omits Fair Rental Value coverage amount. |  |  | XXX: Rescinded | 1/0/1900 | C B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 85604 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/26/2025 | Cleared | 401035727 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  | 1/0/1900 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85611 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/11/2025 | Cleared | 10034195941 | Credit | Closing Documentation Missing or Defective | Prepay Discrepancy between Final CD and Prepayment Penalty Rider. Rider relfects XXX months interest payment if payed within the first XXX months in the amount of $XXX. Final CD relfects as high as XXX |  |  |  | 10/7/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 85611 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/11/2025 | Cleared | 10034205086 | Property | Hazard Insurance Missing or Defective | Hazard Insurance does not specify terms of Fair Rental Loss Coverage. | XXX: Uploaded |  | XXX: Received | 9/22/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 85979 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 8/26/2025 | Cleared | 401036723 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  | 1/0/1900 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85974 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/22/2025 | Cleared | 10078143791 | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED From XXX to XXX | XXX: Uploaded |  | XXX: Received | 9/22/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 85992 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/15/2025 | Cleared | 10069492391 | Property | Appraisal Review - Missing | Missing Appraisal Review for subject property. No CU/LCA Score available | XXX: Uploaded |  | XXX: Received | 9/24/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 86032 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/15/2025 | Cleared | 10069483099 | Property | Hazard Insurance Missing or Defective | Hazard Insurance does not specify terms of Fair Rental Loss Coverage. | XXX: Uploaded |  | XXX: Received | 9/23/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 86009 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/17/2025 | Cleared | 18019597661 | Credit | Closing Documentation Missing or Defective | Prepay Discrepancy between Final CD and Prepayment Penalty Addendum. Addendum relfects XXX months interest payment if payed within the first XXX months in the amount of XXX Final CD relfects as high as XXX |  |  |  | 10/7/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 86023 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/22/2025 | Cleared | 401042039 | Credit | No Findings | This Loan Meets All Applicable Gudelines |  |  |  | 1/0/1900 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 84399 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Acknowledged | FCRE1325 | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing Exception request: Accepting missing letter from a CPA that they prepared Borrower's tax returns as Borrower is an accountant himself and self-prepares tax returns. Compensating factors: XXX months reserves greater than program requirement, high discretionary income, XXX years in current job, FICO XXX points greater than program requirement. Exception approved. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84399 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Cleared | 04/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84399 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Cleared | 04/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84399 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Cleared | 04/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 84391 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The e-Signed documents consent is missing. The only e-consent found in the loan file was dated XXX/XXX/XXX. Earlier disclosures e-signed without consent. Provide eConsent dated on or before XXX/XXX/XXX. | Document Uploaded. | 04/24/2025 | Evidence of eConsent is provided. | 04/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 84391 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Resolved | FCRE9500 | Credit | Missing Letter of Explanation (Assets) | The loan file includes two accounts used for assets to close, one ending in XXX and the other ending in XXX Both the accounts in the loan file include the name of a non-borrowing spouse. An access to funds letter from the non-borrowing spouse was not found in the loan file. | Document Uploaded. We do not require access letters if the account is in the name of a spouse. | 04/25/2025 | Lender comments reviewed. According to lender guidelines a written Statement is not required for a non-borrowing spouse. | 04/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 84391 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Cleared | 04/22/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 84396 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to LTV of 90% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure required: Cure of XXX required for Discount points increased on LE dated XX/XX/XXXX without a valid COC. COC provided on XX/XX/XXXX States that discount points increased however, no valid reason for the increase was given. Rate Lock confirmation dated XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX are outside of the timing requirement for redisclosure. Providing a COC with a valid reason for the change may cure the violation. | Document Uploaded. ; Document Uploaded. | 04/25/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved; The COC provided did not contain a reason the discount points increased | 04/27/2025 | 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 84396 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Cleared | 04/22/2025 | 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 84396 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Cleared | 04/22/2025 | 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 84400 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. is XXX/XXX/XXX. Provide eConsent dated on or prior to XXX/XXX/XXX. | Document Uploaded. | 04/24/2025 | Evidence of eConsent is provided. | 04/25/2025 | 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 LTV is Below the Guideline Maximum - Calculated LTV 26% is less than Guideline LTV 26% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV 26% is less than Guideline CLTV 26% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 84400 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Cleared | 04/22/2025 | 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 LTV is Below the Guideline Maximum - Calculated LTV 26% is less than Guideline LTV 26% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV 26% is less than Guideline CLTV 26% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 84400 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Cleared | 04/22/2025 | 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 LTV is Below the Guideline Maximum - Calculated LTV 26% is less than Guideline LTV 26% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV 26% is less than Guideline CLTV 26% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 84389 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Document Uploaded. | 04/15/2025 | Evidence of eConsent is provided. | 04/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 84389 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2025 | Resolved | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Final XXX is missing from the file. | Document Uploaded. | 04/15/2025 | Approval/Underwriting Summary is fully present; XXX Underwriting and Transmittal Summary was received. | 04/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 84389 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of HOA (or if applicable) for B2 residence XXX | Document Uploaded. | 04/17/2025 | Received LOX from borrower indicating no HOA for XXX | 04/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 84389 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in LTV of 90% 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 | 04/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 84389 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Cleared | 04/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 84397 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Cleared | 03/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV 26% is less than Guideline LTV 26% \| Original LTV is Below the Guideline Maximum - Calculated LTV 26% is less than Guideline LTV 26% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84397 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Cleared | 03/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV 26% is less than Guideline LTV 26% \| Original LTV is Below the Guideline Maximum - Calculated LTV 26% is less than Guideline LTV 26% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84393 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. | Document Uploaded. | 03/25/2025 | All Interested Parties Checked against Exclusionary Lists; Fraud Report received. | 03/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 84393 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2025 | Resolved | FCRE1205 | Credit | OFAC Check Not Completed and/or Cleared | OFAC Check Not Completed and/or Cleared | Document Uploaded. | 03/25/2025 | OFAC Check Completed and Cleared; Fraud Report received. | 03/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 84393 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Document Uploaded. | 03/25/2025 | Third Party Fraud Report is provided; Fraud Report received. | 03/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 84393 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Cleared | 03/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 84393 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Cleared | 03/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 84398 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Document Uploaded. | 03/18/2025 | Evidence of eConsent is provided. | 03/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 84398 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Cleared | 03/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 84395 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide eConsent dated on or before XXX/XXX/XXX. | Document Uploaded. | 04/10/2025 | Evidence of eConsent is provided. | 04/15/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV 26% is less than Guideline LTV 26% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV 26% is less than Guideline CLTV 26% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 84395 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Per Guidelines Verification of Housing history should be documented with A VOM/VOR along with the most recent XXX months of cancelled checks or bank Statements, or • A copy of the note/lease along with XXX months of cancelled checks or bank Statements, however it is missing from the file. | Document Uploaded. | 04/14/2025 | Housing History Meets Guideline Requirements; Institutional VOR from XXX indicating account is satisfactory is acceptable. | 04/15/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV 26% is less than Guideline LTV 26% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV 26% is less than Guideline CLTV 26% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 84395 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per Guidelines Verification of Housing history should be documented with A VOM/VOR along with the most recent XXX months of cancelled checks or bank Statements, or • A copy of the note/lease along with XXX months of cancelled checks or bank Statements, however it is missing from the file. | Document Uploaded. | 04/14/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Institutional VOR from Sureway Property Management indicating account is satisfactory is acceptable. | 04/15/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV 26% is less than Guideline LTV 26% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV 26% is less than Guideline CLTV 26% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 84395 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Cleared | 04/08/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV 26% is less than Guideline LTV 26% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV 26% is less than Guideline CLTV 26% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 84392 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | 04/18/2025 | Required Affiliated Business Disclosure Documentation Provided; client confirmed no affiliated businesses used; exception resolved | 04/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 84392 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Cleared | 04/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 84392 | XXXX | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Cleared | 04/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |

---

## Exhibit 99.03

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.03 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **MFA Loan ID** | **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** |
| 85670 | XXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | Yes | 0 | No |  | 1 | 0 | No | 1 | 1 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 85667 | XXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85673 | XXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85668 | XXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85671 | XXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 85679 | XXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender 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 |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX% |  | Audited | 12 | Yes | No | 40 | Yes | 95 | 0 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 85683 | XXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender 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 |  | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 1 | No | 1 | 1 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86064 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 3 | 0 | 0 |  | No | XXX |
| 85681 | XXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 24 | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 85672 | XXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender 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 | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  |  | XXX% |  |  | Yes | No | 228 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 85675 | XXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 33 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 1 | 0 | 0 |  | No | XXX |
| 85674 | XXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender 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 |  | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85676 | XXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 48 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 85677 | XXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85669 | XXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX | 01/01/2016 | 7 | 05/01/2016 | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85682 | XXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender 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 |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 2 | No | 1 | 1 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 85678 | XXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX% |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 | No | XXX |
| 85680 | XXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender 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 |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86054 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 48 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 00 | 0 |  | No | XXX |
| 86063 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85699 | XXXX | 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 | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  | XXX% |  |  | No | No | 0 | Yes | 4 | 0 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86055 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 29 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 | No | XXX |
| 85687 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX% |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 120 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86062 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 85693 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86053 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85688 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85689 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Personal | 100.00 |  |  |  | XXX% |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86059 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 36 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 85690 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85695 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86058 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85691 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86056 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX% |  | Audited | 12 | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 85694 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85692 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 4 | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86100 | XXXX | 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 | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | 0 | Yes | 3 | 0 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 85696 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Written Verification of Employment | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 2 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86060 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85697 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 113 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86096 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 85721 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85720 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86097 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX |  |  |  |  | No | XXX |
| 86098 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86104 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86099 | XXXX | 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 IO | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85722 | XXXX | 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 | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86117 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86101 | XXXX |  | XX/XX/XXXX | ATR/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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86116 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 14 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | No | 114 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 60817 | XXXX |  |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | BANK STATEMENT | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 5/1 ARM IO | Yes | 60 | XXX | XXX | XXX | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | BANK STATEMENT |  | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 84415 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 84 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 84445 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 84418 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 84442 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 84469 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 84476 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 84434 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 84432 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 84544 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 1 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 | No | XXX |
| 84452 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 84430 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 84431 | XXXX | 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 | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Basic | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 84423 | XXXX | 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 IO | No |  | XXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 84474 | XXXX | 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 | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  | Borrower Prepared | 14 | Yes | No | 36 | No |  | 0 | 0 | No | 0 | 0 | 2 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 84433 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 84419 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 84477 | XXXX | 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 | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 84496 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 84499 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 93 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 84463 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 84503 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 84488 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 84534 | XXXX | 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 |  | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX% |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 84508 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 84575 | XXXX | 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 |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX% | XXX% |  |  | Yes | Yes | 120 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 | No | XXX |
| 84471 | XXXX | 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 |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX% | XXX% |  |  | Yes | Yes | 1 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 84466 | XXXX | 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 |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 84444 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 84420 | XXXX | 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 |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX | 03/01/2023 | 13 | 08/01/2024 | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 84579 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 84578 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | No | 132 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 | No | XXX |
| 84462 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 84497 | XXXX | 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 | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 84498 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 | No | XXX |
| 85737 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 85735 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85827 | XXXX | 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 |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% | XXX% |  |  | Yes | Yes | 68 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 85809 | XXXX | 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 |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% | XXX% |  |  | No | Yes | 0 | No |  | 0 | 1 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 85766 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86329 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 29 | 2 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 85834 | XXXX | 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 | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  |  | XXX% |  |  | Yes | Yes | 56 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 85765 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86156 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85773 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86209 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86158 | XXXX | 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 IO | No |  | XXX | XXX |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86159 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 | No | XXX |
| 85770 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85821 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX% |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 36 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86197 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86339 | XXXX | 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 | XXXX | XXX | XXX | XXXX | XXX | XXX | XXXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 13.64 |  |  | XXX | XXX | XXX | XXX | XXXX | 13 |  |  | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | 748 | 784 | 726 |  |  |  | XXX | XXX | XXX |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  |  | XXX% |  |  | Yes | Yes | 326 | No |  | 2 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | XXX |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 | No | XXX |
| 85828 | XXXX | 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 |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 132 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86226 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 | No | XXX |
| 85758 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85802 | XXXX | 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 |  | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 245 | 1 | 2 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 85841 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 85751 | XXXX | 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 | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 85782 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85797 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85783 | XXXX | 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 | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85772 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85792 | XXXX | 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 | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85775 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 85833 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business and Personal | 100.00 |  |  |  |  |  |  |  | Yes | No | 76 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 85845 | XXXX | 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 |  | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% | XXX% |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 85776 | XXXX |  | XX/XX/XXXX | ATR/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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 86361 | XXXX | 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 |  | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Written Verification of Employment | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 27 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86243 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 86405 | XXXX | 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 | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX% |  | Third-Party Prepared (Unaudited) | 19 | Yes | No | 0 | No |  | 0 | 2 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86299 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86356 | XXXX | 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 |  | XXXX | XXX |  | XXXX | XXX |  | XXXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXXXX | 2.11 |  |  | XXX | XXX | XXX | XXX | XXXX | 4 |  |  | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | 799 | 790 | 788 |  |  |  | XXX | XXX | XXX |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 0 | 0 | XXX | XXX | XXX |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86263 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86265 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86348 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX% |  |  |  | Yes | No | 139 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86376 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86393 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | Yes | 10 | Business | 100.00 |  |  |  | XXX% |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86379 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 | No | XXX |
| 86214 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86408 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 47 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86377 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86389 | XXXX | 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 | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% | XXX% |  |  | Yes | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86358 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 48 | 2 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86286 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86274 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86199 | XXXX | 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 |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 172 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX |  |  |  |  | 0 | 0 | 1 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 1 | 0 | 0 | XXX | No | XXX |
| 86326 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86255 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86285 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 86411 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 | No | XXX |
| 86395 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 32 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86230 | XXXX | 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 |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 240 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86276 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86315 | XXXX | 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 |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86275 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86421 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Business P&L | No | No | No |  |  |  |  |  |  | XXX% |  | Third-Party Prepared (Unaudited) | 24 | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 | No | XXX |
| 86397 | XXXX | 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 | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX% |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86410 | XXXX | 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 | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 60 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86416 | XXXX | 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 |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 83 | 2 | 2 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 | No | XXX |
| 86420 | XXXX | 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 |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX% |  |  |  | Yes | No | 24 | No |  | 0 | 2 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 | No | XXX |
| 86424 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX% |  |  |  | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86407 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86373 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86351 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 96 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86320 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86316 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86367 | XXXX | 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 | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX% |  |  |  | Yes | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86360 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Total Asset Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 | No | XXX |
| 86298 | XXXX | 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 |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 86352 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  | Third-Party Prepared (Unaudited) | 8 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 2 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86287 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86294 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86385 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 173 | No |  | 1 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86399 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86398 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 14 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | No | 115 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 86417 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 | No | XXX |
| 86309 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85570 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85572 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85561 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX | 8/31/2010 | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85563 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX | 8/31/2010 | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85585 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85578 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85575 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85576 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85588 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85595 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 85584 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85564 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 85583 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.04 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85596 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85610 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.04 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85611 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85612 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85573 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85604 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.04 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85607 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85608 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.04 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85613 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.04 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85614 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85609 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85615 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85964 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85594 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85597 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.04 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85599 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85605 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85618 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85966 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86001 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85970 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85985 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85994 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86010 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85617 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85621 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86004 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86005 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85967 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85975 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85976 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 85979 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.04 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85981 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85982 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85990 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.04 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85992 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85996 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.04 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86000 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86002 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.04 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86019 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86021 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86022 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86024 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86028 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.04 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86031 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX | 6/9/2025 | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86033 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85993 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86016 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX | XXX |  | XXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86029 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86032 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 85974 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.04 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86009 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 86023 | XXXX |  |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | DSCR | 1-Fixed | No |  | XXX | XXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 84399 | XXXX | 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 | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Business P&L | No | No | No |  |  |  |  |  |  | XXX% |  | Third-Party Prepared (Unaudited) | 24 | No | No | 0 | No |  | 1 | 1 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 84391 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX% |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 84396 | XXXX | 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 | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX% |  | Audited | 24 | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 84400 | XXXX | 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 FNMA | Yes |  | XXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 84389 | XXXX | 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 |  | XXXX | XXX | XXX | XXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | Yes | 2 | Personal | 100.00 |  |  |  |  | XXX% | Audited | 11 | Yes | No | 290 | Yes | 8 | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 84397 | XXXX | 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 | 40 Year Fixed IO | No |  | XXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Business P&L | No | No | No |  |  |  |  |  |  | XXX% |  | Audited | 24 | Yes | No | 120 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 10.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | Yes | XXX |
| 84393 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 84398 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Business P&L | No | No | No |  |  |  |  |  |  | XXX% |  | Audited | 24 | Yes | No | 48 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 84395 | XXXX | 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 |  | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | No | 48 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | XXX |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |
| 84392 | XXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 45 | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX |  |  |  |  |  |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 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 |  | No | XXX |

---

## Exhibit 99.03

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.03 - Schedule 3**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **MFA 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** |
| 85670 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 85667 | XXXX |  | $XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 85673 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 85668 | XXXX |  | $XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 85671 | XXXX |  | $XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 85679 | XXXX |  | $XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 85683 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86064 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 85681 | XXXX |  | $XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 85672 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 85675 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 85674 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 85676 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 85677 | XXXX |  | $XXXX A | A | A | A | A | A C | A | A | A | A | A |
| 85669 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 85682 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 85678 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 85680 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86054 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86063 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 85699 | XXXX |  | $XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 86055 | XXXX |  | $XXXX A | B | B | B | B | B A | A | A | A | A | A |
| 85687 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86062 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 85693 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86053 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 85688 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 85689 | XXXX |  | $XXXX A | B | B | B | B | B A | A | A | A | A | A |
| 86059 | XXXX |  | $XXXX A | B | B | B | B | B A | A | A | A | A | A |
| 85690 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 85695 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86058 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 85691 | XXXX |  | $XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 86056 | XXXX |  | $XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 85694 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 85692 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86100 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 85696 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86060 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 85697 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86096 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 85721 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 85720 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86097 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86098 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86104 | XXXX |  | $XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 86099 | XXXX |  | $XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 85722 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86117 | XXXX |  | $XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 86101 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86116 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 60817 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 84415 | XXXX |  | $XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 84445 | XXXX |  | $XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 84418 | XXXXX |  | $XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 84442 | XXXX |  | $XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 84469 | XXXX |  | $XXXX B | A | A | A | A | A B | A | A | A | A | A |
| 84476 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 84434 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 84432 | XXXX |  | $XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 84544 | XXXX |  | $XXXX D | C | C | C | C | C A D B | A | A | A | A | A B |
| 84452 | XXXX |  | $XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 84430 | XXXX |  | $XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 84431 | XXXX |  | $XXXX A | A | A | A | A | A D | A | A | A | A | A |
| 84423 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 84474 | XXXX |  | $XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 84433 | XXXX |  | $XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 84419 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 84477 | XXXX |  | $XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 84496 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 84499 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 84463 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 84503 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 84488 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 84534 | XXXX |  | $XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 84508 | XXXX |  | $XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 84575 | XXXX |  | $XXXX A | A | A | A | A | A C | A | A | A | A | A |
| 84471 | XXXX |  | $XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 84466 | XXXX |  | $XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 84444 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 84420 | XXXX |  | $XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 84579 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 84578 | XXXX |  | $XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 84462 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 84497 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 84498 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 85737 | XXXX |  | $XXXX C | A | A | A | A | A D B | A | A | A | A | A B |
| 85735 | XXXX |  | $XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 85827 | XXXX |  | $XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 85809 | XXXX |  | $XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 85766 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86329 | XXXX |  | $XXXX D | C | C | C | C | C A D | A | A | A | A | A |
| 85834 | XXXX |  | $XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 85765 | XXXX |  | $XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 86156 | XXXX |  | $XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 85773 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86209 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86158 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86159 | XXXX |  | $XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 85770 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 85821 | XXXX |  | $XXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 86197 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86339 | XXXX |  | $XXXX D | C | C | C | C | C A D | A | A | A | A | A |
| 85828 | XXXX |  | $XXXX D | A | A | A | A | A C D B | A | A | A | A | A B |
| 86226 | XXXX |  | $XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 85758 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 85802 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 85841 | XXXX |  | $XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 85751 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 85782 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 85797 | XXXX |  | $XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 85783 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 85772 | XXXX |  | $XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 85792 | XXXX |  | $XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 85775 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 85833 | XXXX |  | $XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 85845 | XXXX |  | $XXXX D | A | A | A | A | A C D B | A | A | A | A | A B |
| 85776 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86361 | XXXX |  | $XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 86243 | XXXX |  | $XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 86405 | XXXX |  | $XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 86299 | XXXX |  | $XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 86356 | XXXX |  | $XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 86263 | XXXX |  | $XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 86265 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86348 | XXXX |  | $XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 86376 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86393 | XXXX |  | $XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 86379 | XXXX |  | $XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 86214 | XXXX |  | $XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 86408 | XXXX |  | $XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 86377 | XXXX |  | $XXXX D | A | A | A | A | A C D B | A | A | A | A | A B |
| 86389 | XXXX |  | $XXXX D | C | C | C | C | C A D B | A | A | A | A | A B |
| 86358 | XXXX |  | $XXXX B | A | A | A | A | A B | A | A | A | A | A B |
| 86286 | XXXX |  | $XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 86274 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86199 | XXXX |  | $XXXX C | A | A | A | A | A C | A | A | A | A | A B |
| 86326 | XXXX |  | $XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 86255 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86285 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86411 | XXXX |  | $XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 86395 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86230 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86276 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86315 | XXXX |  | $XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 86275 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86421 | XXXX |  | $XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 86397 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86410 | XXXX |  | $XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 86416 | XXXX |  | $XXXX B | C | C | C | C | C A B | A | A | A | A | A B |
| 86420 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86424 | XXXX |  | $XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 86407 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86373 | XXXX |  | $XXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 86351 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86320 | XXXX |  | $XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 86316 | XXXX |  | $XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 86367 | XXXX |  | $XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 86360 | XXXX |  | $XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 86298 | XXXX |  | $XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 86352 | XXXX |  | $XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 86287 | XXXX |  | $XXXX D | A | A | A | A | A C D | A | A | A | A | A |
| 86294 | XXXX |  | $XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 86385 | XXXX |  | $XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 86399 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 86398 | XXXX |  | $XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 86417 | XXXX |  | $XXXX D | A | A | A | A | A B D | A | A | A | A | A B |
| 86309 | XXXX |  | $XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 85570 | XXXX |  | $XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 85572 | XXXX |  | $XXXX D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A |
| 85561 | XXXX |  | $XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 85563 | XXXX |  | $XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 85585 | XXXX |  | $XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 85578 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85575 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85576 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85588 | XXXX |  | $XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 85595 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85584 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 85564 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 85583 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85596 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85610 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85611 | XXXX |  | $XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 85612 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85573 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 85604 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85607 | XXXX |  | $XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 85608 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85613 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85614 | XXXX |  | $XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 85609 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 85615 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 85964 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85594 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85597 | XXXX |  | $XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 85599 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85605 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 85618 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85966 | XXXX |  | $XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 86001 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85970 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85985 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85994 | XXXX |  | $XXXX D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A |
| 86010 | XXXX |  | $XXXX C | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 85617 | XXXX |  | $XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 85621 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 86004 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 86005 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85967 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85975 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 85976 | XXXX |  | $XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 85979 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85981 | XXXX |  | $XXXX D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A |
| 85982 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 85990 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85992 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 85996 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 86000 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 86002 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 86019 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 86021 | XXXX |  | $XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 86022 | XXXX |  | $XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 86024 | XXXX |  | $XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 86028 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 86031 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 86033 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 85993 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 86016 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 86029 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 86032 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 85974 | XXXX |  | $XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 86009 | XXXX |  | $XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 86023 | XXXX |  | $XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 84399 | XXXX |  | $XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 84391 | XXXX |  | $XXXX D | B | B | B | B | B A D | A | A | A | A | A |
| 84396 | XXXX |  | $XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 84400 | XXXX |  | $XXXX A | B | B | B | B | B A | A | A | A | A | A |
| 84389 | XXXX |  | $XXXX D | B | B | B | B | B A D | A | A | A | A | A |
| 84397 | XXXX |  | $XXXX A | A | A | A | A | A | A | A | A | A | A |
| 84393 | XXXX |  | $XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 84398 | XXXX |  | $XXXX A | B | B | B | B | B A | A | A | A | A | A |
| 84395 | XXXX |  | $XXXX D | B | B | B | B | B A D | A | A | A | A | A |
| 84392 | XXXX |  | $XXXX A | B | B | B | B | B A | A | A | A | A | A |

---

## Exhibit 99.03

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.03 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **MFA 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** |
| 85670 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 85667 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 85673 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 85668 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 85671 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 85679 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 85683 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 86064 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | 33.33 | 33.33 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 85681 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 84.0 | 84.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 85672 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85675 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 85674 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 85676 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 85677 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85669 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 43.96 | 43.96 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.1 |  |
| 85682 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0132 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0132 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 85678 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 85680 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 86054 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.99 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 86063 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 31.91 | 31.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85699 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 41.86 | 41.86 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 86055 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 89.99 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 85687 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 48.13 | 48.13 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 86062 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 49.78 | 49.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85693 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.66 | 52.66 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 86053 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.7 | 59.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |
| 85688 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.8 | 71.8 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 85689 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 86059 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 85690 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 85695 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 86058 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.0 | 50.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 85691 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | 54.05 | 54.05 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 86056 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 42.5 | 42.5 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 85694 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 85692 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0425 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0425 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 86100 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85696 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 86060 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.0 | 55.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 85697 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 86096 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 85721 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.18 | 68.18 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 85720 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 86097 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.06 | 65.06 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 86098 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 86104 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 86099 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 85722 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 86117 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| 86101 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.58 | 60.58 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 |  |
| 86116 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 60817 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00 | 80.00 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | XXX | XXX | 13.6 | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 84415 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.0 | 73.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |  |
| 84445 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 43.43 | 43.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 84418 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 84442 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 84469 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | -.0265 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0265 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 |  |
| 84476 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 39.6 | 39.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 84434 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.0 | 50.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 84432 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 84544 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 68.92 | 68.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 84452 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 84430 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.99 | 74.99 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |  |
| 84431 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 84423 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.47 | 47.47 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 84474 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 78.6 | 78.6 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |  |
| 84433 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | 47.17 | 47.17 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 84419 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 84477 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 84496 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.94 | 72.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 84499 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 84463 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 49.07 | 49.07 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 84503 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.95 | 59.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 84488 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 84534 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.0 | 50.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | XXX | XXX | .0467 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 84508 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 66.67 | 66.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 84575 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 84471 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 84466 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 84444 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 84420 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 84579 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.85 | 54.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 84578 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 84462 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 84497 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 84498 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 85737 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 85735 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.39 | 50.39 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 |  |
| 85827 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 85809 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 85766 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.56 | 47.56 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 86329 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.5 | 62.5 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85834 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 85765 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 86156 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85773 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 86209 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 |  |
| 86158 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 30.3 | 30.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 86159 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 63.83 | 63.83 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 85770 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.97 | 63.97 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |  |
| 85821 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 40.7 | 40.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 86197 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 86339 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| 85828 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 86226 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 85758 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.48 | 67.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 85802 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85841 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85751 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85782 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85797 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85783 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 85772 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 85792 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| 85775 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 85833 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 85845 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 85776 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 86361 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.41 | 47.41 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |
| 86243 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 73.97 | 73.97 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 86405 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 43.75 | 43.75 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |  |
| 86299 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.88 | 50.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| 86356 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | 62.5 | 62.5 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 86263 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 86265 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.83 | 68.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 86348 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 86376 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.33 | 58.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |
| 86393 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.98 | 74.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 86379 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 86214 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 86408 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 46.3 | 46.3 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 86377 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 86389 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 86358 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 27.29 | 27.29 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.9 |  |
| 86286 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.29 | 77.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 86274 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.0 | 70.0 |  |  |  |  | 600000 | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 86199 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 64.96 | 64.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 86326 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 76.38 | 76.38 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 86255 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 68.35 | 68.35 | $XXX | $XXX | -.2685 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.269 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 86285 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 50.0 | 50.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 86411 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 86395 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 86230 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 86276 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.0 | 50.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 86315 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |  |
| 86275 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 26.25 | 26.25 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |  |
| 86421 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 36.36 | 36.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 86397 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.78 | 78.78 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |
| 86410 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |  |
| 86416 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 86420 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 86424 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 86407 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 29.39 | 29.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| 86373 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 86351 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 86320 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 86316 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 36.67 | 36.67 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 86367 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.01 | 67.01 |  |  |  |  | 385000 | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 86360 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 86298 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 50.0 | 50.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| 86352 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.29 | 55.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 86287 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.79 | 71.79 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 |  |
| 86294 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.44 | 69.44 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 86385 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 86399 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 86398 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |
| 86417 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 86309 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85570 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85572 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 45.50 | 45.50 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 85561 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 55.00 | 55.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 85563 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 55.00 | 55.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 85585 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 65.90 | 65.90 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 85578 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85575 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.38 | 64.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85576 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 18.87 | 18.87 |  |  |  |  |  |  |  |  | XXX | XXX | 0.94% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0094 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 85588 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85595 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 40.59 | 40.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85584 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85564 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 57.77 | 57.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85583 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85596 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.06 | 55.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85610 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85611 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85612 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 85573 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.44 | 52.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 85604 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85607 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 85608 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 85613 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 85614 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85609 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 85615 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 85964 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 85594 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 85597 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.0 | 50.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85599 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 57.6 | 57.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 85605 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 53.41 | 53.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85618 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85966 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 26.19 | 26.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 86001 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.0 | 50.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85970 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85985 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85994 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 86010 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85617 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85621 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 33.02 | 33.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 86004 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 86005 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.48 | 79.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85967 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85975 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 50.0 | 50.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 85976 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 31.86 | 31.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 85979 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 85981 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85982 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 0 |  |
| 85990 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85992 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 85996 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 86000 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 53.66 | 53.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.0545 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 86002 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.38 | 73.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 86019 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 86021 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.79 | 65.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 86022 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.65 | 74.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 86024 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 86028 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 86031 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.46 | 79.46 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 86033 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.01 | 75.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.0512 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 85993 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 86016 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 40.5 | 40.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 86029 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 86032 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 85974 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.83 | 71.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 86009 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 86023 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 84399 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 84391 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 84396 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 84400 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | 914000 | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 84389 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 84397 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 84393 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 84398 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 84395 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 84392 | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.0 | 68.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |

---

## Exhibit 99.03

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.03 - Schedule 5**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **MFA Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 85670 | XXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Credit UW does not have access to Receipt Entry in XXX |
| 85668 | XXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 85671 | XXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 85679 | XXXX | Borrower 1 FTHB | XXX | XXX | Per Final 1003 |
| 85679 | XXXX | Qualifying FICO | XXX | XXX | Per Guideline, Primary Wage Earner Middle Score reflected in the credit file |
| 85679 | XXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 85683 | XXXX | Qualifying FICO | XXX | XXX | Primary wage earner mid score used. |
| 85681 | XXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 85672 | XXXX | Qualifying FICO | XXX | XXX | Per credit docs/guidelines |
| 85672 | XXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 85675 | XXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 85674 | XXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per desk review |
| 85676 | XXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 85677 | XXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 85669 | XXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per desk review |
| 85682 | XXXX | Borrower 1 Citizen | XXX | XXX | Per 1003 |
| 85682 | XXXX | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 85682 | XXXX | Qualifying FICO | XXX | XXX | Per Primary Wage Earner credit score |
| 85682 | XXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per desk review |
| 85678 | XXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per desk review |
| 85680 | XXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date verified. |
| 85692 | XXXX | Property Value | XXX | XXX | Property value determined using the lower value from the 1004 appraisal |
| 86060 | XXXX | Property Value | XXX | XXX | Taken from appraisal dated XX/XX/XXXX |
| 86098 | XXXX | Qualifying FICO | XXX | XXX | Taken from credit report dated XX/XX/XXXX |
| 84503 | XXXX | Prepayment Penalty Flag | XXX | XXX | Per DOT |
| 84575 | XXXX | Qualifying Housing Debt Income Ratio | XXX | XXX | Per note, tax, ins, XXX, bank statements |
| 85834 | XXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Lender monthly obligations are $XXX. Credit report shows higher monthly obligations $XXX (XXX $XXX month, XXX $XXX month and XXX $XXX month). |
| 85765 | XXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Primary mortgage payment increased per Mortgage statement. $XXX per month |
| 86158 | XXXX | Prepayment Penalty Calculation | XXX | XXX | NOTE |
| 86159 | XXXX | Monthly Total Escrow Payment | XXX | XXX | verified with final HUD |
| 86159 | XXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit income is $XXX vs Lender income $XXX. Lender income is 100% with no expense factor. Business account used, per lender GLs pg70 - However, in no instance would XXX consider a ratio of less than a 10% overhead factor to business statements. Audit income is $XXX applying a 10% expense factor. CPA letter page 246 shows 4.9% expense factor. |
| 85828 | XXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Per income docs, property docs, and CBR |
| 86226 | XXXX | Monthly Total Escrow Payment | XXX | XXX | Audit escrow is actually $XXX and not $XXX. The escrow amount is taken from the tax and HOI documentation. |
| 86226 | XXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Per income, CBR docs |
| 85758 | XXXX | Monthly Total Escrow Payment | XXX | XXX | Per tax and HOI docs |
| 85758 | XXXX | Originator DSCR | XXX | XXX | Lender had PITI of $XXX instead of audit PITI of $XXX, which caused the lender's DSCR to be XXX instead of the audit DSCR of XXX. |
| 85802 | XXXX | Monthly Total Escrow Payment | XXX | XXX | verified $XXX flood escrow on final HUD |
| 85751 | XXXX | Qualifying Total Debt Income Ratio | XXX | XXX | rounding, all data matches lender |
| 85775 | XXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Per income docs, property docs, and CBR |
| 85775 | XXXX | Monthly Total Escrow Payment | XXX | XXX | Per taxes and insurance docs for subject |
| 85845 | XXXX | Qualifying Total Debt Income Ratio | XXX | XXX | The Lender excluded the $XXX payment on a student loan showing collection status and DLA XX/XX/XXXX. Audit included the payment in the DTI. DLA on credit report is XX/XX/XXXX. LTV is 75%. Debt was not paid off. |
| 85776 | XXXX | Monthly Total Escrow Payment | XXX | XXX | verified $XXX from final HUD |
| 86405 | XXXX | Qualifying Total Debt Income Ratio | XXX | XXX | B2 income, paid bi-weekly, Lender used YTD average to calculate the income. Audit used bi-weekly salary multiply by XXX and divide by 12 per GL's. |
| 86299 | XXXX | Monthly Total Escrow Payment | XXX | XXX | Per escrow waiver |
| 86356 | XXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Lender total income is higher than Audit Total Income |
| 86408 | XXXX | Monthly Total Escrow Payment | XXX | XXX | There is a second XXX policy with XXX which was not included in the Lender escrow amount $XXX and HOA is not included. |
| 86377 | XXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Lender income $XXX calculated using XXX to XXX bank statements. However, XX statement not in the file. Audit used XXX to XXX to calculate $XXX income. Resulting in DTI difference. |
| 86389 | XXXX | Qualifying FICO | XXX | XXX | The Lender used the lowest score of both borrowers. B1 states he will occupy the subject and B2 is a non-occupying co-borrower. Audit used B1 middle score. |
| 86274 | XXXX | Originator DSCR | XXX | XXX | Audit DSCR is XXX and lender DSCR is XXX. This variance is due to the lender using a PITI for the subject of $XXX instead of the audit amount of $XXX. |
| 86199 | XXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Lender used subject IO payment to calculate subject neg rent. Audit utilized the 1st fully amortizing payment for the DTI. Lender included duplicate XXX HELOC payment $XXX in the DTI as revolving debt. |
| 86326 | XXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI is XXX% and lender DTI is XXX% due to the lender using XXX% expense ratio for the bank statement income of $XXX. Documentation in file does not include a CPA Letter verifying the expense ratio of XXX%; therefore, the auditor used the standard XXX% for bank statement income of $XXX |
| 86285 | XXXX | Monthly Total Escrow Payment | XXX | XXX | Per tax and HOI documentation |
| 86411 | XXXX | Monthly Total Escrow Payment | XXX | XXX | Tape data including HOA payment not escrowed |
| 86275 | XXXX | Monthly Total Escrow Payment | XXX | XXX | Per HOI and tax docs |
| 86421 | XXXX | Monthly Total Escrow Payment | XXX | XXX | Tape data is including monthly HOA payment |
| 86397 | XXXX | Monthly Total Escrow Payment | XXX | XXX | Per taxes, HOI, and flood docs |
| 86397 | XXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI is XXX% and lender DTI is XXX%. This variance is due to using the audit net income of $XXX to qualify for B2. |
| 86416 | XXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit total income for B2 $XXX & Lender income for B2 is $XXX. Audit Neg rent is XXX and Lender neg rent is $XXX |
| 86420 | XXXX | Monthly Total Escrow Payment | XXX | XXX | Per tax and HOI docs |
| 86420 | XXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI is XXX% and lender DTI is XXX%. This variance is due to using audit retirement income of $XXX and Social Security income of $XXX to qualify B2 instead of lender retirement income of $XXX and Social Security income of $XXX. The audit incomes are more conservative and were therefore used to qualify. |
| 86360 | XXXX | Monthly Total Escrow Payment | XXX | XXX | Tax and Insurance not HOA |
| 86298 | XXXX | Qualifying FICO | XXX | XXX | DSCR is Highest Middle score from all borrowers |
| 86287 | XXXX | Monthly Total Escrow Payment | XXX | XXX | monthly escrow is correct. |
| 86399 | XXXX | Qualifying Total Debt Income Ratio | XXX | XXX | DTI is different due to negative rental income being higher than what lender had on final 1003 and underwriting worksheet. |
| 86398 | XXXX | Monthly Total Escrow Payment | XXX | XXX | escrow monthly total is correct per final CD |
| 86417 | XXXX | Monthly Total Escrow Payment | XXX | XXX | no escrow per final CD |
| 85576 | XXXX | Interest Only | XXX | XXX | Interest Only loan |
| 85576 | XXXX | LTV | XXX | XXX | Using Lower of two values |
| 85588 | XXXX | Property Type | XXX | XXX | XXX |
| 85564 | XXXX | Interest Only | XXX | XXX | XXX |
| 85564 | XXXX | Property Type | XXX | XXX | XXX |
| 85604 | XXXX | Property Type | XXX | XXX | XXX |
| 85979 | XXXX | Property Type | XXX | XXX | XXX |
| 86031 | XXXX | LTV | XXX | XXX |  |
| 84399 | XXXX | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 84391 | XXXX | Property Value | XXX | XXX | FALSE |
| 84391 | XXXX | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 84396 | XXXX | Property Value | XXX | XXX | FALSE |
| 84396 | XXXX | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 84400 | XXXX | Property Value | XXX | XXX | FALSE |
| 84400 | XXXX | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 84389 | XXXX | Property Value | XXX | XXX | FALSE |
| 84389 | XXXX | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 84397 | XXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 84397 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 84397 | XXXX | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 84397 | XXXX | Term | XXX | XXX | FALSE |
| 84393 | XXXX | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 84398 | XXXX | Property Value | XXX | XXX | FALSE |
| 84398 | XXXX | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 84395 | XXXX | Property Value | XXX | XXX | FALSE |
| 84395 | XXXX | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 84392 | XXXX | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |

---

## Exhibit 99.04

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.04**

![](ex9904001.jpg)

![](ex9904002.jpg)

**November 21, 2025**<br> **Due Diligence Narrative Report**<br>

![](ex9904003.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Review scope | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;# of Files Reviewed | 3 |
| &nbsp;&nbsp;&nbsp;Loan Grading | 3 |
| &nbsp;&nbsp;&nbsp;TPR Component Review Scope | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;Data Integrity | 6 |
| &nbsp;&nbsp;&nbsp;Data Capture | 7 |
| **Data Compare Results** | **7** |
| **Clayton Due Diligence Results** | **8** |
| **Clayton Third Party Reports Delivered** | **9** |
| **Appendix A: Credit Review Scope** | **10** |
| **Appendix B: Origination Appraisal Assessment** | **12** |
| **Appendix C: Regulatory Compliance Review Scope** | **15** |

---

MFA 2025-NQM5 Due Diligence Narrative Report Page \| 1 November 21, 2025

![](ex9904003.jpg)

**Clayton Contact Information** 

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex9904004.jpg) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/E-mail:<u>msantarsiere@clayton.com</u> |

---

---

| | | |
|:---|:---|:---|
| ![](ex9904004.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview** 

On behalf of Citadel Investment Group, Clayton conducted an independent third-party pre-securitization due diligence review of 290 residential loans.

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

On behalf of Oaktree Funding Corp, Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 1 residential loan.

MFA subsequently purchased these loans via reliance letter and selected them for the MFA 2025-NQM5 transaction.

The loans referenced in this narrative report were reviewed on a bulk and flow loan basis from November 2018 to October 2025. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review.

**Originators** 

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 288 | 97.96% |
| Retail | 6 | 2.04% |
| **Total** | **294** | **100.00%** |

---

MFA 2025-NQM5 Due Diligence Narrative Report Page \| 2 November 21, 2025

![](ex9904003.jpg)

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

The scope of work for this transaction consisted of a credit review, property valuation review, regulatory compliance review, and data integrity check.

---

| | |
|:---|:---|
| Review scope  | # of Files Reviewed  |
| Credit Review | 294 |
| Property Valuation Review | 294 |
| Regulatory Compliance Review | 214 |
| Data Integrity Check | 294 |

---

Loan Grading

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

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

![](ex9904005.jpg)

MFA 2025-NQM5 Due Diligence Narrative Report Page \| 3 November 21, 2025

![](ex9904003.jpg)

TPR Component Review Scope

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

Credit Review

Clayton's Credit scope of review conducted on 294 loans on this transaction included the following elements (for more detail, please refer to <u>Appendix A</u>):

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

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

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

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

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

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

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

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

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

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original
 Appraisal Assessment (294 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value
 Supported Analysis (294 loans)

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

● CU Score

● AVM

● Desk Review

● Field Review

For further detail please refer to the MFA 2025-NQM5 Valuations Summary Report

MFA 2025-NQM5 Due Diligence Narrative Report Page \| 4 November 21, 2025

![](ex9904003.jpg)

Regulatory Compliance Review

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

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

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

– TIL APR and Finance charge tolerances;

– Timeliness of ARM Disclosures (if applicable);

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

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

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

– Prepayment Penalty restrictions; and

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

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

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

– GFE initial disclosure timing and content;

– Confirmed the file contains the final HUD1 Settlement Statement;

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

– Homeownership Counseling Notice;

– Affiliated Business Disclosure if applicable.

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

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

MFA 2025-NQM5 Due Diligence Narrative Report Page \| 5 November 21, 2025

![](ex9904003.jpg)

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

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

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

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

<u>State and Federal High Cost and Higher-Priced:</u>

● Cook County High Cost Ordinance

● Chicago High Cost Ordinance

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

<u>Anti-predatory lending laws</u>

● Minnesota §58 on or after 8/1/2008

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

Prepayment Penalties and Late Charges in certain states

Taxpayer First Act: Consent to share IRS-provided tax information sent by the IRS on or after 12/28/2019.

Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 294 reviewed loans, by completing the following steps:

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

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

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

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

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

MFA 2025-NQM5 Due Diligence Narrative Report Page \| 6 November 21, 2025

![](ex9904003.jpg)

Data Capture

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

**data Compare Results** 

Clayton provided MFA Financial Inc. with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received from the sellers versus the data captured by Clayton during the loan review in relation to the 294 loans reviewed.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% Accuracy** |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.66% |
| &nbsp;&nbsp;Borrower 1 Total Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.66% |
| &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.32% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.66% |
| &nbsp;&nbsp;Credit Report Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.32% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;20 | &nbsp;&nbsp;93.20% |
| &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;98.98% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;98.98% |
| &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.32% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;3 | &nbsp;&nbsp;98.98% |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.66% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.66% |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.66% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.66% |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.66% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;98.64% |
| &nbsp;&nbsp;Product Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.32% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.66% |
| &nbsp;&nbsp;Representative Credit Score for Grading | &nbsp;&nbsp;8 | &nbsp;&nbsp;97.28% |
| &nbsp;&nbsp;Total Monthly Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.66% |

---

MFA 2025-NQM5 Due Diligence Narrative Report Page \| 7 November 21, 2025

![](ex9904003.jpg)

**Clayton Due Diligence Results** 

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

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 186 |  | 20 | 20 | **226** |
| **Final** | **B** |  | 44 | 15 | 9 | **68** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **186** | **44** | **35** | **29** | **294** |

---

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

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 208 |  | 12 | 14 | **234** |
| **Final** | **B** |  | 49 | 7 | 4 | **60** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **208** | **49** | **19** | **18** | **294** |

---

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 281 |  | 1 | 7 | **289** |
| **Final** | **B** |  | 2 | 1 | 2 | **5** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **281** | **2** | **2** | **9** | **294** |

---

MFA 2025-NQM5 Due Diligence Narrative Report Page \| 8 November 21, 2025

![](ex9904003.jpg)

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 190 |  | 13 | 3 | **206** |
| **Final** | **B** |  | 2 | 6 |  | **8** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **190** | **2** | **19** | **3** | **214** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (80 loans in pool)

**Clayton Third Party Reports Delivered** 

Clayton furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

MFA 2025-NQM5 Due Diligence Narrative Report Page \| 9 November 21, 2025

![](ex9904003.jpg)

**Appendix A: Credit Review Scope** 

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

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

○ DTI

○ LTV/TLTV/HLTV

○ Credit score

○ Income and employment

○ Assets and reserves

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

○ Borrower eligibility, including:

– Citizenship status

– Non- occupant co-borrower

○ Transaction eligibility, including:

– Maximum loan amount

– Loan purpose

– Occupancy

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

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

○ Uniform Residential Loan Application reviewed to determine:

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

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

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

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

– Income documentation

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

– CPA letter

– Business licenses

– Tax transcripts (IRS Form 4506-T)

– Other documentation in loan file

○ Income review included:

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

– Documents did not appear to have been altered or inconsistent

– IRS Form 4506-T

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tax
 returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Financial
 statements

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1099

MFA 2025-NQM5 Due Diligence Narrative Report Page \| 10 November 21, 2025

![](ex9904003.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ IRS
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Bank
 statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Lease
 agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Award
 letters

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

○ Asset review included:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Depository
 account statements

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Settlements
 statements

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

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

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

○ Credit Report review included:

– Complete copy of report was in loan file

– Report was dated within required timeframe

– All borrowers were included in the report

– Checked any fraud alerts against related loan file documentation

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

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

– Captured and utilized appropriate credit score for guideline review

○ Title policy review included:

– Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee
 simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Leasehold
 estate

– Appropriate vestee(s) were listed on title policy

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

– Applicable title endorsements were present

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

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

– Captured monthly tax payments in debt ratio calculation

○ HUD1 (Settlement Statement) review included:

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

– Seller contributions did not exceed maximum allowed

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

– Disbursements and pay-offs included in debt ratio calculations

– Loan purpose confirmed

○ Hazard/Flood insurance review included:

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

– Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 property

MFA 2025-NQM5 Due Diligence Narrative Report Page \| 11 November 21, 2025

![](ex9904003.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 loan number

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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

○ Mortgage Insurance review included:

– Determined if mortgage insurance is required

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

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

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

○ Borrower identity

– Social Security inconsistencies

– Borrower name variations

○ Occupancy

– Borrower address history

– Subject property ownership history

○ Employment

○ Licensing – reviewed NMLS data for:

– Mortgage lender/originator

– Loan officer

○ OFAC

**Appendix B: Origination Appraisal Assessment** 

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

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

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

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

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

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

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

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

MFA 2025-NQM5 Due Diligence Narrative Report Page \| 12 November 21, 2025

![](ex9904003.jpg)

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

○ Appraisal report was reasonably complete and included:

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

– Accurate identification of the subject property

– Accurate identification of the subject loan transaction

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

– All required attachments including:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location
 map

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

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

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

– Appraisal date met supplied Sponsor Acquisition Criteria

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

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

○ Title XI of FIRREA:

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

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

○ USPAP

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

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

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

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

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

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

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

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

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

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

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

– Property usage was reviewed for zoning compliance

MFA 2025-NQM5 Due Diligence Narrative Report Page \| 13 November 21, 2025

![](ex9904003.jpg)

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

– Neighborhood values were reviewed to determine if declining

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ %
 built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Growth
 rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Marketing
 time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Predominant
 occupancy

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

– Style of property was reviewed to determine if unique property

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

– Locational and/or environmental concerns adequately addressed if present

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

○ 3 to 4 unit owner occupied properties

○ 2 to 4 unit second homes

○ Unwarrantable or limited review condominiums

○ Manufactured or mobile homes

○ Condotel units

○ Unique properties

○ Working farms, ranches or orchards

○ Mixed-use properties

○ Properties subject to existing oil or gas leases

○ Properties located in Hawaii Lava Zones 1 and 2

○ Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

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

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

F. Disclaimer

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

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

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

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

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

MFA 2025-NQM5 Due Diligence Narrative Report Page \| 14 November 21, 2025

![](ex9904003.jpg)

**Appendix C: Regulatory Compliance Review Scope** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

○ TILA/RESPA Integrated Disclosures ("TRID")

MFA 2025-NQM5 Due Diligence Narrative Report Page \| 15 November 21, 2025

![](ex9904003.jpg)

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

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

● Pre-application forms cannot look similar to the LE

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing
 Requirements:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee
 Tolerances:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment
 Schedule Accuracy:

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

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

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

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

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

● Amount Financed

● Finance Charge

● Total of Payments

● Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical
 Requirements

● Compliance with the TRID rounding rules.

● Compliance with specified formatting requirements.

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

● Alphabetization of fees.

● Title fees preceded by "Title –."

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

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

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

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

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

MFA 2025-NQM5 Due Diligence Narrative Report Page \| 16 November 21, 2025

![](ex9904003.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related
 Documentation

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

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

● Affiliated Business Disclosure (can impact fee tolerances)

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

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

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

● Accuracy of the Aggregate Adjustment amount.

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

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

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

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

MFA 2025-NQM5 Due Diligence Narrative Report Page \| 17 November 21, 2025

![](ex9904003.jpg)

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

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

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

---

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

---

**B.** **State/Local High Cost** 

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

---

| | | |
|:---|:---|:---|
| **State/Local High Cost** | **State/Local High Cost** | **State/Local High Cost** |
| Arkansas | Maine | Pennsylvania |
| 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 | |

---

**C.** **Anti-Predatory** 

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

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

● West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

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

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower's interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is

MFA 2025-NQM5 Due Diligence Narrative Report Page \| 18 November 21, 2025

![](ex9904003.jpg)

only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

---

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

---

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

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;Alabama (the "Mini-code") | &nbsp;&nbsp;Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| &nbsp;&nbsp;Hawaii (Financial Services Loan Company Act) | &nbsp;&nbsp;Nevada (AB 440 |
| &nbsp;&nbsp;Idaho (Residential Mortgage Practices Act) | &nbsp;&nbsp;Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| &nbsp;&nbsp;Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | &nbsp;&nbsp;Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |
| &nbsp;&nbsp;Iowa (Consumer Credit Code) | &nbsp;&nbsp;Utah (Consumer Credit Code) |
| &nbsp;&nbsp;Kansas (Consumer Credit Code) | &nbsp;&nbsp;Virginia (Mortgage Lender and Broker Act) |
| &nbsp;&nbsp;Kentucky (HB 552) | &nbsp;&nbsp;Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| &nbsp;&nbsp;Maryland (DLLR Regulations, Commercial Law) | &nbsp;&nbsp;West Virginia (Consumer Credit Protection Act) |
| &nbsp;&nbsp;Massachusetts (Attorney General regulations) | &nbsp;&nbsp;Wyoming (Residential Mortgage Practices Act) |
| &nbsp;&nbsp;Michigan (Consumer Mortgage Protection Act) |  |

---

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

**F.** **Texas Equity** 

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

MFA 2025-NQM5 Due Diligence Narrative Report Page \| 19 November 21, 2025

![](ex9904003.jpg)

**<u>GSE Testing</u>**

Clayton can review loans to determine whether they comply with Fannie Mae's and Freddie Mac's Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

**<u>Disclaimer</u>**

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2025 Clayton Services LLC. All rights reserved.

This material is confidential and may not be copied, used, or distributed without the written permission of Clayton Services LLC

MFA 2025-NQM5 Due Diligence Narrative Report Page \| 20 November 21, 2025

## Exhibit 99.04

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.04 - Schedule 1**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MFA 2025-NQM5** |
| **Start - End Dates:** | **11/19/2018 - 10/6/2025** |
| **Deal Loan Count:** | **294** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *294* |
| ***Loans with Conditions:*** | *108* |
| **3 - Total Active Conditions** | **3 - Total Active Conditions** |
| **3 - Non-Material Conditions** | **3 - Non-Material Conditions** |
|  | 1 - Credit Review Scope |
|  | 1 - Category: Credit/Mtg History |
|  | 2 - Property Valuations Review Scope |
|  | 2 - Category: FEMA |
| **94 - Total Satisfied Conditions** | **94 - Total Satisfied Conditions** |
|  | 37 - Credit Review Scope |
|  | 1 - Category: Application |
|  | 2 - Category: Assets |
|  | 1 - Category: Credit/Mtg History |
|  | 3 - Category: DTI |
|  | 12 - Category: Income/Employment |
|  | 7 - Category: Insurance |
|  | 6 - Category: Legal Documents |
|  | 4 - Category: Terms/Guidelines |
|  | 1 - Category: Title |
|  | 21 - Property Valuations Review Scope |
|  | 19 - Category: Appraisal |
|  | 1 - Category: FEMA |
|  | 1 - Category: Property |
|  | 36 - Compliance Review Scope |
|  | 1 - Category: Ability to Repay/Qualified Mortgage |
|  | 2 - Category: Compliance Manual |
|  | 2 - Category: Documentation |
|  | 1 - Category: Federal Consumer Protection |
|  | 2 - Category: Finance Charge Tolerance |
|  | 1 - Category: Right of Rescission |
|  | 3 - Category: Texas Home Equity |
|  | 24 - Category: TILA/RESPA Integrated Disclosure |
| **76 - Total Waived Conditions** | **76 - Total Waived Conditions** |
|  | 71 - Credit Review Scope |
|  | 3 - Category: Assets |
|  | 18 - Category: Credit/Mtg History |
|  | 6 - Category: DTI |
|  | 4 - Category: Income/Employment |
|  | 1 - Category: Insurance |
|  | 24 - Category: LTV/CLTV |
|  | 15 - Category: Terms/Guidelines |
|  | 3 - Property Valuations Review Scope |
|  | 3 - Category: Property |
|  | 2 - Compliance Review Scope |
|  | 1 - Category: Documentation |
|  | 1 - Category: TILA/RESPA Integrated Disclosure |

---

&nbsp;&nbsp;&nbsp;&nbsp;©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.04

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.04 - Schedule 2**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MFA 2025-NQM5** |
| **Start - End Dates:** | **11/19/2018 - 10/6/2025** |
| **Deal Loan Count:** | **294** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *294* |
| ***Loans with Conditions:*** | *108* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Initial S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 85723 | XXXX | SC | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Number of loans to XXX 5 exceed the maximum of 4. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 709 exceeds guidelines of 640.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since XXX. |
| 85723 | XXXX | SC | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Per guidelines for Non-Warrantable Condo projects no more than 25% of units may be owned by a single entity. Per appraisal borrower owns 82% of the project units. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 709 exceeds guidelines of 640.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since XXX. |
| 85724 | XXXX | SC | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Number of loans to XXX 5 exceeds the maximum of 4. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x82.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 709 exceeds min score requirement of 640. |
| 85724 | XXXX | SC | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Per guidelines for Non-Warrantable Condo projects no more than 25% of units may be owned by a single entity. Per appraisal borrower owns 82% of the project units. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x82.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 709 exceeds min score requirement of 640. |
| 85725 | XXXX | SC | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Number of loans to XXX 5 exceeds the maximum of 4. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 747 EXCEEDS MIN GUIDES 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% EXCCEDS MAX GUIDES 75%. |
| 85725 | XXXX | SC | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Per guidelines for Non-Warrantable Condo projects no more than 25% of units may be owned by a single entity. Per appraisal borrower owns 82% of the project units. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 747 EXCEEDS MIN GUIDES 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% EXCCEDS MAX GUIDES 75%. |
| 85726 | XXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 710 exceeds min score requirement of 640.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x82. |
| 79932 | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has owned primary residence for 11 years. |
| 84416 | XXXX | FL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | CRDLTV201 | LTV > 90% | No | LTV of 107.98% exceeds max LTV of 80%. Exception approval provided | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x20.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $112,058.16. CTC $XXX leaves reserves of $55,960.01 or 30.97 mos.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 768 exceeds min score requirement of 750. |
| 84416 | XXXX | FL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | CRDLTV203 | CLTV > 100% | No | LTV of 107.98% exceeds max LTV of 80%. Exception approval provided | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x20.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $112,058.16. CTC $XXX leaves reserves of $55,960.01 or 30.97 mos.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 768 exceeds min score requirement of 750. |
| 84416 | XXXX | FL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | LTV of 107.98% exceeds max LTV of 80%. Exception approval provided | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x20.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $112,058.16. CTC $XXX leaves reserves of $55,960.01 or 30.97 mos.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 768 exceeds min score requirement of 750. |
| 86153 | XXXX | FL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Property Valuations | Property | Waived | B | B | PRVAPROP177 | Property Issues Indicated | No | Per guidelines, minimum loan amount is $100,000. Subject loan is $XXX. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 45.97%; max allowed per guidelines is 65%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $749,288.04 or 621.22 months PITI, guidelines required 0 months PITI. |
| 86155 | XXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 years and 0 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 730. File credit score 752. |
| 85727 | XXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years and 5 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 60 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $58,338.63 or 30.33 months PITI, guidelines required 0 months PITI. |
| 85728 | XXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Waived | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Subject property has been listed for sale within the last six months; ineligible for Non-Prime program. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 650 exceeds min score requirement of 600.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 27 years. |
| 85730 | XXXX | GA | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 80% exceeds maximum LTV of 75% for cash out DSCR. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Total assets verified $17,597.79. CTC $XXX leaves reserves of $17,597.79 or 11.99 mos. Reserves required 0 mos<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Current primary residence mortgage reviewed for 40 months with 0 x 30. |
| 85731 | XXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Waived | B | B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV 74.50 exceeds the maximum of 70% for Condotel in Florida. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 796 exceeds min guides of 660<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years at current residence.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history past 24 months on credit report. |
| 86157 | XXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 672 FICO score. Minimum required 640.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. |
| 85732 | XXXX | GA | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | With subject loan and three additional new loans with this lender, Borrower will have four loans with this lender, all on investment properties. Guidelines state that maximum loans with one Borrower are four, and one must be on primary residence. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 778 exceeds guidelines 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied the primary residence for 20 years 6 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 71.46% and guidelines allow the HCLTV to be 75%. |
| 85733 | XXXX | GA | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | With subject loan and three additional newloans with this lender, Borrower will have four loans with this lender, all oninvestment properties. Guidelines state that maximum loans with one Borrower arefour, and one must be on primary residence. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The guarantor has owned current residence for 20 years and 6 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 778 is > the minimum credit score of 660. |
| 85736 | XXXX | NC | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Property Valuations | Property | Waived | C B | C B | PRVAPROP177 | Property Issues Indicated | No | Appraisal states subject design is XXX which is an ineligible property type per guidelines. | 07/22/2025 Lender response: Updated ULAW uploaded07/22/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for LTV, Credit Score, Mortgage Payment History and Time at Current Residence.07/22/2025 client acknowledged exception | 07/22/2025 Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% below guideline requirement of 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 26 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 704 exceeds min guides of 640.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: B1 has mortgage payment history 0x30 since XXX. |
| 85738 | XXXX | CA | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Assets | Satisfied | C A | C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing source of funds for large deposit made to XXX #XXX in the amount of $330,000 on XXX. | 08/11/2025- Client provided final settlement statement from refinance of borrower's primary residence to source large deposit. | 08/11/2025- Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current primary residence for 18 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 809 is > the minimum of 600.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 55.49% is < the maximum of 85%. |
| 85739 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current primary residence for 25 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession for 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 50% is < the maximum LTV of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 713 is > the minimum credit score of 640. |
| 86160 | XXXX | IL | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied | C A | C A | CRDCRMH148 | Credit report stale dated at closing | No | Missing Credit Report within 90 days of closing, XXX. | 10/6/25- Updated credit report provided | Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 qualifying score. Min required per guidelines is 720.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 19 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $279,276.97 or 95.18 months PITI, guidelines required 0 months PITI. |
| 85740 | XXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 10 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX or 10 years 1 month.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0X30X99.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 784 exceeds min score requirement of 750. |
| 86161 | XXXX | CA | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | Max LTV 65%, based on Loan Amount of $XXX. Subject LTV is 75%. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x57.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantors have been at primary residence for over 23 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 785 qualifying score. Min required per guidelines is 700. |
| 85741 | XXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 36 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 736 exceeds min score requirement of 640. |
| 85742 | XXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Insurance | Satisfied | C A | C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing certificate of condo insurance from XXX showing sufficient building coverage | 08/04/2025 lender provided 2nd page of Master policy reflecting coverage up to 100% RCE | 08/04/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 28 years 5 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0X30X82<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 qualifying score. Min required per guidelines is 660. |
| 85742 | XXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Insurance | Satisfied | D A | D A | CRDINSR3792 | Insurance policy missing Rent Loss/Business Interruption coverage | No | Insurance policy missing Rent Loss/Business Interruption coverage | 08/01/2025 lender provided: Reserve Statement reflecting sufficient balance used to cover Rent loss | 08/01/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 28 years 5 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0X30X82<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 qualifying score. Min required per guidelines is 660. |
| 85744 | XXXX | TX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 70% exceeds max LTV of 65% for STR with declining value. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 757 exceeds min guidelines 640.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x45. |
| 85745 | XXXX | TN | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | CRDTER113 | Loan amount is below guideline minimum | No | Loan Amount of $XXX is less than Guidelines minimum Loan Amount of $100,000. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 760 FICO score. Minimum required 660<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has successfully owned and operated his business for 6 years. |
| 85745 | XXXX | TN | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Complete Appraisal is not in loan file. | 09/05/2025 lender provided Appraisal | 09/05/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 760 FICO score. Minimum required 660<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has successfully owned and operated his business for 6 years. |
| 86163 | XXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has owned current primary residence for 21 years and 1 month.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 770 is > the minimum credit score of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Primary residence 1st mortgage was reviewed for 41 months with 0 x 30. |
| 85747 | XXXX | CO | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | CRDTER4643 | Borrower does not meet guideline requirements | No | Borrowers have at least 6 investment loans. Lender Guidelines limit the maximum of 4 loans with the same Borrower and 1 must be Owner Occupied. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 794 FICO score. Minimum required 620.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has an excellent mortgage payment history with 51 months reviewed reporting 0 late payments. |
| 85748 | XXXX | CO | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | CRDTER4643 | Borrower does not meet guideline requirements | No | Borrowers have at least 6 investment loans. Lender Guidelines limit the maximum of 4 loans with the same Borrower and 1 must be Owner Occupied. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 63.97 is below min guides 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 794 exceed min guides 640. |
| 85749 | XXXX | CO | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | CRDTER4643 | Borrower does not meet guideline requirements | No | Borrowers have at least 6 investment loans. Lender Guidelines limit the maximum of 4 loans with the same Borrower and 1 must be Owner Occupied. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 794 exceeds the min guides of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 64.23% exceeds min of 75%. |
| 86165 | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current primary residence for 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $13,474 exceed guidelines $0. |
| 86166 | XXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 674 qualifying score. Min required per guidelines is 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 36.73%, max per guidelines is 50.49%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $497,102/62 or 117.69 months PITI, guidelines required 0 months PITIA. |
| 85750 | XXXX | UT | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied | D A | D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing final HUD for B2's primary residence. Final 1003 reflects B2's primary residence was sold and no PITI was included in DTI. | 08/29/2025 lender provided updated ULAW And 1003 Adding the mortgages back in the DTI. | 08/29/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 23.59% is < the maximum DTI of 50.49%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 720 is > the minimum credit score of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: B2's primary residence 1st mortgage history was reviewed for 40 months with 0 x 30. |
| 86167 | XXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 29 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $248,666.24 or 47.42 months PITI, guidelines required 0 months PITI. |
| 86168 | XXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 63.51% is below max LTV of 70%. |
| 85752 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 52% and guidelines allow the HCLTV to be 75% |
| 85753 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied the primary residence for 5 years 2 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: HCLTV is 29.11% and guidelines allow the HCLTV to be 65%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $84,715.79/$2,869.52 PITI = 29.52 months reserves. |
| 86169 | XXXX | CA | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | LTV/CLTV | Waived | C B | C B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 70% exceeds max LTV of 65% for a No Ratio cash-out | 10/10/2025 lender response: Updated ULAW uploaded10/10/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for Reserves, Mortgage Payment History and time at current residence10/13/2025 client acknowledged exception | 10/13/2025 Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current primary residence for 15 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 75 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $216,925.91 or 53.51 months PITIA, guidelines required 0 months PITIA. |
| 85754 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 716 qualifying score. Min required per guidelines is 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current occupied residence for 9 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $123,449.08 or 53.96 months PITI, guidelines required 0 months PITI. |
| 86170 | XXXX | MS | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 798 exceeds min guides of 740.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 46.60% exceeds max of 55%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 25 years in current profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: CO-B has 19 years at current residence. |
| 85756 | XXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years and 8 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $279,184.20 or 38.68 months PITI, guidelines required 0 months PITI. |
| 85757 | XXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 10 years 6 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0X30X44.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 690 exceeds min score requirement of 675. |
| 86171 | XXXX | SC | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 747 FICO score. Minimum required 700.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 82 months reviewed reporting 0 late payments. |
| 85759 | XXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 788 exceeds min score requirement of 640.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x80. |
| 85760 | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current principal residence for 26 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below guideline requirements of 85%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Current primary residence reviewed for 99 months with 0 x 30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 750 is > the minimum of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $82,410 exceed guidelines $0. |
| 85761 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 707 qualifying score. Min required per guidelines is 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 69.14%; max allowed per guidelines is 75%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0X30X45. |
| 85762 | XXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 33.33% is below max LTV of 60%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 0X30X420.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 810 exceeds min score requirement of 750. |
| 86173 | XXXX | PA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 3 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60%; max allowed per guidelines is 70%. |
| 85763 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 785 qualifying score. Min required per guidelines is 780.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 82 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $509.132/12 or 124.61 months PITI, guidelines required 0 months PITI. |
| 86175 | XXXX | MA | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | DSCR of .8086 is < the minimum required of 1.0 for a Non-Warrantable Condo. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 48.81% is < the maximum of 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $426,100. CTC $XXX leaves reserves of $69,203.74 or 15.99 mos. Reserves required 0 mos. |
| 85764 | XXXX | PA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 690 FICO score. Minimum required 660.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has a good credit history with 82 months reviewed with 0 late payments reporting. |
| 86176 | XXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 652 exceeds guidelines 640. |
| 85767 | XXXX | OR | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 41.18% is below min guides 65%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: No lates on mortgage history report. |
| 86177 | XXXX | TX | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing signed W-8BEN by Guarantor #2. | 08/13/2025 lender provided W-8BEN | 08/13/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 44.44% is < the maximum of 65%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor 1 & 2 have owned current primary residence for 8 years. |
| 86177 | XXXX | TX | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Missing completed appraisal to include page 5 & 6 of the appraisal signed by the appraiser, rental comps map, layout, appraiser license and completed 1007. | 08/13/2025 lender provided Appraisal | 08/13/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 44.44% is < the maximum of 65%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor 1 & 2 have owned current primary residence for 8 years. |
| 86177 | XXXX | TX | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR271 | Comp photos are missing | No | Missing comparable photos. | 08/13/2025 lender provided Appraisal | 08/13/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 44.44% is < the maximum of 65%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor 1 & 2 have owned current primary residence for 8 years. |
| 86177 | XXXX | TX | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR281 | Subject Photos are missing | No | Missing subject interior and exterior photos. | 08/13/2025 lender provided Appraisal | 08/13/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 44.44% is < the maximum of 65%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor 1 & 2 have owned current primary residence for 8 years. |
| 85769 | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $346,574 exceed guidelines $0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 812 exceeds guidelines 720. |
| 86178 | XXXX | HI | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 750 exceeds guidelines 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 7 years at current primary.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 19.7 years at current job. |
| 85771 | XXXX | OK | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 774 FICO score. Minimum required 660.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has an excellent mortgage payment history with 99 months reviewed reporting 0 late payments. |
| 86180 | XXXX | FL | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing documentation to support the Guarantor is a XXX as reflected on the final 1003. XXX provided in file reflects it is valid for Work only with XXX Authorization. | 10/07/2025 lender provided Certificate of Naturalization | 10/07/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 744 is > the minimum credit score of 640.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history for investment property owned was reviewed for 21 months with 0 x 30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60% is < the maximum LTV of 70%. |
| 86181 | XXXX | FL | (No Data) | ATR/QM: Exempt B | B | B A | B | B | Compliance | Documentation | Waived | B | B | CMPDOC5556 | Note P&I doesn't equal Clayton's calculated P&I; payment schedule inaccuracy | No | The Note in file is 30 yr fixed, loan was approved as a 30 yr fixed 5 yr I/O period. Note P&I is $12814.00 which is the IO amount, Calc P&I is $14615.23 which is P&I, there are no IO terms on the Note provided. | 9.22.25-Client requested to change the Status from Open/Active to Waive/Closed. | 9.22.25-Final Grade B. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at $160,201.71 less cash from borrower $XXX equals $160,201.71 or 9.17 months PITIA. Reserves are no required. |
| 86181 | XXXX | FL | (No Data) | ATR/QM: Exempt B | B | B A | B | B | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH104 | Credit score below guidelines | No | Min credit score required 700 File credit score 688. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified at $160,201.71 less cash from borrower $XXX equals $160,201.71 or 9.17 months PITIA. Reserves are no required. |
| 86182 | XXXX | OK | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 50% is < the maximum LTV of 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 648 is < the minimum credit score of 600.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has owned current primary residence for 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $536,266.57. CTC $XXX leaves reserves of $358,656.51 or 201.52 mos. Reserves required 0 mos. |
| 86183 | XXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | DTI | Waived | B | B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | DTI 40.14% exceeds the maximum of 40.00%. Variance based on net rental income of XXX $11,121.47 lender calculated at $12,429.59. | 8/22/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 23 years and 10 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been employed with XXX for 19 years and 6 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 810 qualifying score. Min required per guidelines is 730.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 47 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $256,285.25 exceed guidelines of $0. |
| 85774 | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 727 exceeds min score 700 |
| 86184 | XXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 6 years<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history reporting to credit is positive. 0 x 30 for 31 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying score of 796 is above the minimum required for 80% LTV of 660 |
| 86185 | XXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Waived | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Borrower acquired subject property on XXX and drive report reflects the property was acquired for $XXX via Quit Claim Deed. Per guidelines, if the borrower purchased the property less than 12 months or the property changed ownership within the previous 12 months the value for determining the LTV is the lesser of the lowest transfer value in the previous 12 months or the appraised. value. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 658 is > the minimum credit score of 640. |
| 86186 | XXXX | TX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied | D A | D A | CMPDOC806 | Notary Status is missing | No | Provide copy of signed & dated Notary. | 9.1.25-Client provided Closing Package including Signed & Dated Notary. | 9.1.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 2 years, 11 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 69.97% / Max LTV 70%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $50,370.77 or 21.16 months of PITIA. Reserves not required. |
| 86186 | XXXX | TX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied | D A | D A | CMPDOC869 | Mortgage not signed | No | Provide a signed copy of the Mortgage to include signed Prepayment Penalty Rider, PUD Rider & 1-4 Family Rider. | 9.1.25-Client provided Closing Package including Signed Mortgage along with all Riders. | 9.1.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 2 years, 11 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 69.97% / Max LTV 70%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $50,370.77 or 21.16 months of PITIA. Reserves not required. |
| 86186 | XXXX | TX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL2277 | Note Not Executed | No | Provide signed copy of the Note to include signed Prepayment Penalty Addendum. | 9.1.25-Client provided Closing Package including Signed Note & PPP Addendum. | 9.1.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 2 years, 11 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 69.97% / Max LTV 70%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $50,370.77 or 21.16 months of PITIA. Reserves not required. |
| 86187 | XXXX | FL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Property is listed as XXX, min DSCR score is 1.0, actual .9639. Lender exception approval provided | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: No mortgages late on credit report.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years at current residence. |
| 85777 | XXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have occupied the primary residence for 7 years 9 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX for 10 years 5 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $1,282,869.21/$8,261.19 PITIA = 155.29 months reserves. |
| 86188 | XXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | DTI | Waived | B | B | CRDDTI187 | Debt Ratio > 50% | No | DTI calculated 50.86%, max per guidelines 50.49%. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 66.67% is below max LTV of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 752 FICO score. Minimum required 660. |
| 85778 | XXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 13.41 is below max guides of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 812 exceeds min guides 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 22 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 30.77%; max allowed per guidelines is 75%. |
| 85779 | XXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Co-Borrower has resided in current r occupied residence for 10 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 25% is below guideline requirements of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 817 exceeds guidelines 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $16,702.24 exceed guidelines $0. |
| 85780 | XXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 798 exceeds min score requirement of 640.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x82. |
| 85781 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 18 years and 3 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 24 years and 7 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been employed with XXX for 15 years and 5 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 21 months when 12 months are required. |
| 86189 | XXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below max LTV of 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $25,662 exceed guidelines $0. |
| 86190 | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 659 exceeds min score requirement of 640.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since XXX. |
| 86191 | XXXX | AZ | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | CRDTER111 | Ownership seasoning does not meet minimum per guidelines | No | The collateral property is for sale by owner and the seller has been on title for less than 1 year. Exception approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 6 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan LTV of 70% is less than the maximum LTV of 85%<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reporting to credit is positive. |
| 86192 | XXXX | CT | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 791 exceeds min score requirement of 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99. |
| 86193 | XXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 651 exceeds min score requirement of 640.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 59 months. |
| 86194 | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60% is < the maximum LTV of 70%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Total assets verified $141,000 CTC $XXX leaves reserves of $5,454.01 or 2.72 mos. Reserves required 0 mos. |
| 86195 | XXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over 16 years. |
| 85784 | XXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 740 exceeds min 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No lates on mortgage history or credit report. |
| 85785 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 7 years and 1 month.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 808 qualifying score. Min required per guidelines is 780.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 21 months when 12 months are required. |
| 86196 | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $33,911.21 or 14.86 months PITIA, guidelines required 0 months PITIA. |
| 85786 | XXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is < the maximum of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 759 is > the minimum credit score of 640. |
| 85787 | XXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 8 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $281,645.01. Required reserves $0.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x99.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 799 exceeds min score requirement of 720. |
| 86198 | XXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is < the maximum LTV of 85%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The guarantor has owned current primary residence for 7 years and 5 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 753 is > the minimum credit score of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $193,032.08. CTC $XXX leaves reserves of $61,612.58 or 15.41 mos. Reserves required 0 mos. |
| 86200 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current primary residence for 28 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 37.61% is < the maximum LTV of 75%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: HELOC on current primary residence reviewed for 76 months with 0 x 30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 765 is > the minimum credit score of 700. |
| 85788 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan LTV of 65% is less than the maximum of 75%<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history reporting to credit is positive.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $387,728.22. CTC $XXX leaves reserves of $95,837.33 or 16 mos. No Reserves required. |
| 86202 | XXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 20 years. |
| 86203 | XXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 793 exceeds guidelines 660. |
| 86204 | XXXX | TX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Insurance | Waived | D B | D B | CRDINSR3792 | Insurance policy missing Rent Loss/Business Interruption coverage | No | HOI policy does not contain rent loss coverage. | 10/15/2025 lender response: Updated ULAW uploaded10/15/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for Credit Score, Mortgage Payment History and time at current residence.10/15/2025 client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 732 is > the minimum credit score of 600.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current residence for 6 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Current and previous mortgages paid as agreed with 0 x 30. |
| 85789 | XXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied the primary residence for 11 years 2 months. |
| 86205 | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 57.23% is < the maximum LTV of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 703 is > the minimum credit score of 600.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Current primary residence mortgage reviewed for 99 months with 0x30. |
| 85790 | XXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive 24 month out of 84 month mortgage payment history |
| 86206 | XXXX | NV | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65.63%; max allowed per guidelines is 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $46,359.53 or 15.37 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 13 years. |
| 85791 | XXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current primary residence for 18 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 776 is > the minimum credit score of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 33.14% is < the maximum DTI of 50%. |
| 86207 | XXXX | DE | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 719 exceeds min score requirement of 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 4 years. |
| 86208 | XXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 Years and 8 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 660 File credit score 693.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50.49% File 32.05% |
| 86210 | XXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Missing pages 4-38 of the appraisal | 09/16/2025 lender provided Appraisal | 09/16/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 689 qualifying score. Min required per guidelines is 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 57.48% and guidelines allow the HCLTV to be 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $103,275.79/$3,692.20 PITIA = 27.97 months reserves. |
| 86210 | XXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR167 | Appraisal not Signed | No | Missing the signature page of the appraisal | 09/16/2025 lender provided Appraisal | 09/16/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 689 qualifying score. Min required per guidelines is 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 57.48% and guidelines allow the HCLTV to be 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $103,275.79/$3,692.20 PITIA = 27.97 months reserves. |
| 86210 | XXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR284 | Appraiser License Missing | No | Missing this page of the appraisal | 09/16/2025 lender provided Appraisal | 09/16/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 689 qualifying score. Min required per guidelines is 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 57.48% and guidelines allow the HCLTV to be 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $103,275.79/$3,692.20 PITIA = 27.97 months reserves. |
| 86212 | XXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 55.97%; max allowed per guidelines is 70%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 Years and 0 months at current residence. |
| 86213 | XXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below max LTV of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 757 FICO score. Minimum required 640. |
| 86215 | XXXX | OH | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | Per guidelines, maximum LTV for <1.0 DSCR, for cash out refinance is 65%. Subject loan is 0.9999 DSCR, with LTV of 67.777%. Insurance monthly debt was calculating higher at closing. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current rented occupied residence for 8 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Rental payment history is for 101 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $17,297.47 or 8.87 months PITI, guidelines required 0 months PITI. |
| 86215 | XXXX | OH | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Terms/Guidelines | Waived | C B | C B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Per guidelines, required automated payments for entity loans. Subject transaction is held in LLC and did not choose to set up ACH account. | 09/19/2025 lender response: Updated ULAW uplaoded09/19/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for Reserves, LTV, Mortgage Payment History and Time at Current Address.09/19/2025 client acknowledged exception | 09/19/2025 Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current rented occupied residence for 8 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Rental payment history is for 101 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $17,297.47 or 8.87 months PITI, guidelines required 0 months PITI. |
| 86216 | XXXX | PA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 33 months when 12 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 698 qualifying score. Min required per guidelines is 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $60,085.46 or 15.51 months PITI, guidelines required 0 months PITI. |
| 86217 | XXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 51.47% is < the maximum of 65%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 734 is > the minimum credit score of 640. |
| 85793 | XXXX | PA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Property | Satisfied | D A | D A | PRVAPROP111 | Legal Nonconforming w/out Rebuild Letter | No | Legal Nonconforming w/out Rebuild Letter. | 10/10/2025 lender response: Uploading XXX rebuild letter, Sec 10 (a&b) on pg 7 states subject can be rebuilt to current use and area if rebuilt within 3 years | 10/10/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 710 exceeds guidelines 660. |
| 85794 | XXXX | PA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 710 exceeds guidelines 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $57,951 exceed guidelines $0. |
| 86218 | XXXX | NY | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL100 | Legal document incorrect or incomplete | No | Provide Prepayment Penalty addendum to the Note. Loan was approved with a 5 year prepayment penalty. | 10/03/2025 lender provided Updated approval showing no PPP for approval | 10/03/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 721 is > the minimum credit score of 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $244,861.31. CTC $XXX leaves reserves of $93,622.64 or 21.21 mos. Reserves required 0 mos. |
| 86218 | XXXX | NY | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL225 | Missing Rider | No | Provide Prepayment Penalty Rider. | 10/03/2025 Lender provided Updated approval showing no PPP for approval | 10/03/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 721 is > the minimum credit score of 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $244,861.31. CTC $XXX leaves reserves of $93,622.64 or 21.21 mos. Reserves required 0 mos. |
| 86219 | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $372,003.83. CTC $XXX leaves reserves of $239,067.10 or 91.83 mos. Reserves required 0 mos.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 3 years. |
| 86220 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 22 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $128,879.54 or 16.46 months PITI, guidelines required 16.46 months PITI. |
| 86221 | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 qualifying score. Min required per guidelines is 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $28,272.93 or 11.59 months PITIA, guidelines required 0 months PITIA. |
| 86222 | XXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Waived | B | B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | Exception in file for the rate of 6.999% at .250% to correct LTV to 65% from max of 60% due to cashout XXX. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0x30x31.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 708 qualifying score. Min required per guidelines is 600. |
| 86223 | XXXX | PA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL2864 | Copy of Mortgage/Deed in file is incomplete | No | Provide copy of Dated Notarized Mortgage.Mortgage Notary in file is not dated. | 09/23/2025 lender provided Dated Notary page | 09/23/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 802 exceeds min guides of 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $185,994.94. CTC $XXX leaves reserves of $185,994.04 or 56.9 mos. Reserves required 3 mos.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x42. |
| 85795 | XXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 5 years 4 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0X30X33. |
| 86224 | XXXX | MS | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $51,933.01 or 39.86 months of PITIA. |
| 86225 | XXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 2 years, 6 months. |
| 86227 | XXXX | FL | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Insurance | Satisfied | C A | C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing verification that the insurance coverage matches the full insurable value of the collateral and the coverage amount is less than the loan amount. | 10/02/2025 lender provided Insurance LOE | 10/02/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history reporting to credit is positive.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 691 qualifying score. Min required per guidelines is 660. |
| 86228 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 47.04%; max allowed per guidelines is 65%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 677 qualifying score. Min required per guidelines is 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $269,955.84 or 67.10 months PITI, guidelines required 0 months PITI. |
| 86229 | XXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 694 above minimum of 640<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: verified reserves $19,365.94 exceeds requirements of $0.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 mortgage rating over 12 months |
| 86231 | XXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years at current residence,<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 57.58% is below guideline requirements of 75%. |
| 85796 | XXXX | ME | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV OF 80% exceed max LTV 75% for a refi cash out. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 11 years at current job.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: No mortgage lates on credit.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.37 EXCEEDS MIN GUIDES 50%. |
| 86232 | XXXX | OR | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 29 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 59.29 is below max of 85%. |
| 85798 | XXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 798 qualifying score. Min required per guidelines is 640.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 10 years 5 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0x30x19. |
| 86233 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 50% is below max guideline requirements of 65%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 4 years. |
| 85799 | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 75% and guidelines allow the HCLTV to be 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-closing assets: $32,945.84/$2,824.49 PITI = 11.66 months reserves |
| 86234 | XXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 57.31% is below guideline requirements of 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $279,347 exceed guidelines $0. |
| 85800 | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 735 exceeds min score requirement of 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x28.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 2 years. |
| 86235 | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 69.35% is below guideline requirements of 75%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since XXX. |
| 86236 | XXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $40,122.71 or 18.96 months of PITI. |
| 86238 | XXXX | OK | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 67.42% is < the maximum LTV of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 648 is > the minimum credit score of of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $758,,643.48. CTC $XXX leaves reserves of $655,146.03 or 349.49 mos. Reserves required 0 mos. |
| 86239 | XXXX | CA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history reporting to credit is positive.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying score of 745 is above the minimum score of 620 required for 65% TLV. |
| 86242 | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $3,446.63/$2,634.09 PITIA = 1.31 months reserves. |
| 85801 | XXXX | UT | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL225 | Missing Rider | No | Missing Condo Rider. | 10/02/2025 lender response: Signed Mortgage including Condo Rider uploaded | 10/02/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current primary residence for 7 years and 4 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 50% is < the maximum LTV of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 781 is > the minimum credit score of 640.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower's 1st mortgage on primary residence was reviewed for 62 months with 0 x 30. |
| 86244 | XXXX | HI | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL2996 | Missing Trust Documents | No | Missing a copy of the Trust Agreement | 09/29/2025 lender provided Trust Agreement | 09/29/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 60% and guidelines allow the HCLTV to be 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $61,436.15/$2,497.76 PITIA = 24.60 months reserves.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is 32.99% and guidelines allow the DTI to be 5049% |
| 86246 | XXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 686 exceeds guidelines 660.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since XXX. |
| 86247 | XXXX | FL | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Insurance | Satisfied | C A | C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Although Notary Date is XXX, Disbursement Date and Note Date is XXX. Insurance Effective date is XXX. | 09/29/2025 lender response: XXX reflecting disbursement date of XXX sent out. Regardless the date on notary, Ins. Effective date can be based on funded/disbursement date | 09/29/2025 exception satisfied | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 6 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 42.27%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 789 qualifying score. Min required per guidelines is 780.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $229,366.44 or 89.55 months PITI, guidelines required 0 months PITI. |
| 86248 | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 690 is > the minimum credit score of 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $194,470.93. CTC $XXX leaves reserves of $38,113.01 or 9.63 mos. Reserves required 0 mos. |
| 86249 | XXXX | CA | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV 80% exceeds the maximum of 75% for Short Term Rents. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 798 FICO score. Minimum required 640.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. |
| 86249 | XXXX | CA | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Title | Satisfied | D A | D A | CRDTIL796 | Missing Title | No | Missing Final title or Commitment | 09/23/2025 lender provided Title report | 09/23/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 798 FICO score. Minimum required 640.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. |
| 85803 | XXXX | DE | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 693 exceeds min score requirement of 640.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x96. |
| 86250 | XXXX | OK | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 67% is below max of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 682 exceeds guidelines 660. |
| 86251 | XXXX | NJ | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has 1 open/active tradeline; guidelines require 3, for Borrower with 2 credit scores. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 681 qualifying score. Min required per guidelines is 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $75,164.16. CTC $XXX leaves reserves of $16,705 or 7.89 mos. No Reserves required. |
| 86252 | XXXX | OH | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing mortgage payment history for subject property since purchase XXX. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 67.74% is below max guides 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years current residence for co-borrower. |
| 85804 | XXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 Years and 9 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 3 years and 7 months in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 660 File credit score 779. |
| 86253 | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have occupied the primary residence for 19 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 4 years 9 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 69.23% and guidelines allow the HCLTV to be 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $119,785.76/$5296.98 PITIA = 22.61 months reserves. |
| 86254 | XXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 5 years 9 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 735 is > the minimum of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $81,700.39. CTC $XXX leaves reserves of $24,402.61 or 13.72 mos. Reserves required 0 mos.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Current primary residence mortgage history reviewed for 46 months with 0 x 30. |
| 86256 | XXXX | CA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 68.75% and guidelines allow the HCLTV to be 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $547,154.82/$4,444.35 PITI = 123.11 months reserves. |
| 85805 | XXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current primary residence for 9 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 694 is > the minimum credit score of 640.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history for primary residence was reviewed for 20 months with 0 x 30. |
| 85806 | XXXX | SC | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 814 exceeds min score requirement of 640.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99. |
| 86257 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied the primary residence for 22 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in his profession for 25 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $418,816 exceed guidelines $0. |
| 86258 | XXXX | NY | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Waived | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 80% exceeds maximum LTV of 75% for utilizing private party VOR. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 725 is > the minimum credit score of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $195,503.82. CTC $XXX leaves reserves of $16,377.92 or 2.59 mos. Reserves required 0 mos. |
| 86259 | XXXX | GA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 7 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan LTV of 30.3% is less than the maximum LTV of 70% |
| 85807 | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 qualifying score. Min required per guidelines is 780.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $687,451.52 or 428.37 months PITI, guidelines required 0 months PITI. |
| 86260 | XXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence 0X30X39.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 748 exceeds min score requirement of 725.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 64.90% is below max LTV of 75% |
| 86261 | XXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 753 FICO score. Minimum required 660.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 82 months reviewed reporting 0 late payments.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 20 years. |
| 86262 | XXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 14 years at current primary.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 787 exceeds min score 640. |
| 86264 | XXXX | UT | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 9 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 55% is below max LTV of 65%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 787 FICO score. Minimum required 620. |
| 86267 | XXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 Years and 0 months at current residence. |
| 86268 | XXXX | NC | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below max LTV of 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $13,194.29. CTC $XXX leaves reserves of $6,696.37 or 4.64 mos. Reserves required 0 mos. |
| 86269 | XXXX | SC | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $494,288.90. CTC $XXX leaves reserves of $390,113.47 or 176 mos. No Reserves required.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is positive over the review period.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying score 803 is above the minimum of 640 required for the 72.99% LTV |
| 86271 | XXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history reporting to credit 0x30 since XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $298,778.13. CTC $XXX leaves reserves of $233,656.91 or 125.23 mos. Reserves required 0 mos.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying score 709. Min required for 75% LTV is 640 |
| 86272 | XXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 788 exceeds min score requirement of 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 8 years. |
| 86273 | XXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 720 File credit score 731.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 75% File 41.32% |
| 86277 | XXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 725 exceeds min score requirement of 640.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 6 years. |
| 86278 | XXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied the primary residence for 26 years 1 month.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in her profession for 21 years 3 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $13,796.35/$3,067.32 PITIA = 4.5 months reserves. |
| 86280 | XXXX | FL | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Insurance | Satisfied | C A | C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance effective date is XXX. Disbursement date is XXX. | 09/30/2025 lender provided Insurance Policy with effective date of XXX | 09/30/2025 exception satisfied | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 69.11% is below max LTV of 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $263,000.82. CTC $XXX leaves reserves of $137,533.54 or 49.14 mos. Reserves required none. |
| 86281 | XXXX | CA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied | C A | C A | PRVAAPPR1939 | Appraiser License for Incorrect State | No | Missing the complete appraisal to include the Comparable Rent Schedule, file contains pages 1-4 only. | 09/19/2025 lender provided Appraisal09/19/2025 exception satisfied | 09/19/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 58 months when 12 months are required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 37.94%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 qualifying score. Min required per guidelines is 780. |
| 86281 | XXXX | CA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR271 | Comp photos are missing | No | Appraisal is incomplete, missing photos. | 09/19/2025 lender provided Appraisal | 09/19/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 58 months when 12 months are required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 37.94%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 qualifying score. Min required per guidelines is 780. |
| 86281 | XXXX | CA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR281 | Subject Photos are missing | No | Appraisal is incomplete, missing photos. | 09/19/2025 lender provided Appraisal | 09/19/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 58 months when 12 months are required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 37.94%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 qualifying score. Min required per guidelines is 780. |
| 86281 | XXXX | CA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR284 | Appraiser License Missing | No | Appraisal is incomplete, missing information for appraiser. | 09/19/2025 lender provided Appraisal | 09/19/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 58 months when 12 months are required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 37.94%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 qualifying score. Min required per guidelines is 780. |
| 86282 | XXXX | WA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | DTI | Waived | B | B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | Loan exception granted for property with a maximum DTI of 40.00%. Reviewer calculated DTI of 40.75% based on income of $57,667.08. Borrower's primary residence PITI of $5,834.00 + investor subject PITI of $2,380.44 + other REO PITI of $11,100.05 + other debt of $4,185.00 = $23,499.49/ $57,667.08 = 40.75%. LAW reflects DTI of 42.08%. Variance is due to income by Lender of $57,912.92 and other debt of $5,08.000. Reviewer excluded installment loan with < 10 payments. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 17 years and 8 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 692 is > the minimum credit score of 600.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 50% is < the maximum of 65%. |
| 86282 | XXXX | WA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | Property | Waived | B | B | PRVAPROP241 | Property Type unacceptable under guidelines | No | Subject property is a SFR utilized as an XXX which in an Ineligible Property type. Lender Exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 17 years and 8 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 692 is > the minimum credit score of 600.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 50% is < the maximum of 65%. |
| 86283 | XXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 23 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 qualifying score. Min required per guidelines is 720. |
| 86284 | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below max LTV of 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 767 FICO score. Minimum required 640. |
| 86288 | XXXX | NV | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Insurance | Satisfied | C A | C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Final HUD showing disbursement of XXX. Hazard Insurance coverage effective XXX. | 09/29/2025 lender provided HUD reflecting disbursement date of XXX | 09/29/2025 exception satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 791 above minimum of 640<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 over 24 months review.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Assets $172,350.50 less CTC $XXX, Cash Reserves $100,986.60 or 43.37 months PITIA. Reserves not required. |
| 86289 | XXXX | OK | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 758 exceeds min score requirement of 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x84<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 69 months. |
| 86290 | XXXX | OR | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage for primary residence reviewed for 48 months with 0 x 30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 800 is > the minimum credit score of 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $547,787.11. CTC $XXX leaves reserves of $405,904.09or 113.33 mos. Reserves required 0 mos. |
| 86291 | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 30 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $170,579.70 or 70.21 months PITI, guidelines required 0 months PITI. |
| 86292 | XXXX | CO | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 47.17 is < the maximum LTV of 70%. |
| 86293 | XXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 10 years at profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.12% is below max guides 50%.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: No mortgage lates in 24 months. |
| 86296 | XXXX | CO | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0X30X45.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $53,531.48 exceeds guidelines of $0 required reserves.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 27 years 7 months. |
| 86297 | XXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 48.65% is below max LTV of 75%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0X30X47. |
| 86300 | XXXX | IL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 759 exceeds guidelines 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since XXX. |
| 86301 | XXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current primary residence for 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 769 is > the minimum credit score of 640.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 71.78% is < the maximum LTV of 75%. |
| 86302 | XXXX | VA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 665 exceeds min score requirement of 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x48 |
| 86303 | XXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: borrower has 25 years at current profession.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: No mortgage lates on credit report past 24 months. |
| 86304 | XXXX | AZ | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Appraisal incomplete (missing map, layout, pages, etc) | 09/29/2025 lender provided Appraisal | 09/29/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 6 years 7 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 764 exceeds min score requirement of 750.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 0x30x162. |
| 86304 | XXXX | AZ | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR271 | Comp photos are missing | No | Appraisal Comp photos are missing | 09/29/2025 lender provided Appraisal | 09/29/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 6 years 7 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 764 exceeds min score requirement of 750.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 0x30x162. |
| 86304 | XXXX | AZ | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR281 | Subject Photos are missing | No | Appraisal Subject Photos are missin | 09/29/2025 lender provided Appraisal | 09/29/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 6 years 7 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 764 exceeds min score requirement of 750.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 0x30x162. |
| 86304 | XXXX | AZ | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR284 | Appraiser License Missing | No | &nbsp;&nbsp;&nbsp;&nbsp;Appraiser License Missing | 09/29/2025 lender provided Appraisal | 09/29/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 6 years 7 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 764 exceeds min score requirement of 750.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 0x30x162. |
| 86305 | XXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 64.71% is below max LTV of 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $7,557.69. Required reserves $0. |
| 86306 | XXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing XXX W2 for Borr2 with XXX. | 09/30/2025 lender provided XXX W2 | 09/30/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 16 years and 8 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 qualifying score. Min required per guidelines is 740.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 82 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $480,021.54 or 312.82 months PITIA, guidelines required 0 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 40.55%, max per guidelines is 50.49%. |
| 86307 | XXXX | FL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | Exception in file for the rate of $7.625 @ PAR. Corrected LTV of 74.77% exceeds max LTV of 70% for DSCR > 1.0. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $6,679.07 exceed guidelines of $0. |
| 86308 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 65% and guidelines allow the HCLTV to be 70%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $55,808.07/$5,146.60 PITI = 10.84 months reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 qualifying score. Min required per guidelines is 640. |
| 86310 | XXXX | AL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Waived | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV 80% exceeds the maximum for purchase transaction of Condotel of 75%. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 9 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been working for the same employer for 13 years<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history reporting to credit is positive. |
| 86311 | XXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is < the maximum LTV of 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $219,088.79. CTC $XXX leaves reserves of $42,558.15or 9 mos. Reserves required 0 mos.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 771 is > the minimum credit score of 640.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Primary residence mortgage reviewed for 76 months with 0 x 30. |
| 86312 | XXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 Years and 4 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 640 File credit score 771. |
| 86313 | XXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 718 exceeds guidelines 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject investment property for 14 years. |
| 86314 | XXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 Years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 15 years and 8 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 660 File credit score 687. |
| 86318 | XXXX | IL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV 70% exceeds maximum allowed of 65% for XXX with credit score 692. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x50 |
| 86319 | XXXX | GA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 768 qualifying score. Min required per guidelines is 760.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 38 months when 12 months are required. |
| 86321 | XXXX | NC | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for 21 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 703 exceeds guidelines 660. |
| 86322 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 760 FICO score. Minimum required 640.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $185,210.78. CTC $XXX leaves reserves of $55,316.80 or 15.79 mos. Reserves required none. |
| 86323 | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $90,486.19. CTC $XXX; leaves reserves of $22,873.47 or 15.17 mos. Reserves are not required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 704 exceeds min score requirement of 640.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x97 |
| 86324 | XXXX | MI | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Max LTV for rural property is 75. Exception from Lender to 80%. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $834,506.82 CTC $XXX leaves reserves of $477,514.15 or 36 mos. Reserves required 12 mos.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 776 exceeds min guides of 700.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: No mortgage lates on credit report. |
| 85808 | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 731 exceeds min score requirement of 640.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 24 years. |
| 86327 | XXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 13 Years and 1 months at current residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Min credit score required 640 File credit score 657. |
| 34526 | XXXX | FL | (No Data) | (No Data) B A | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | FSD score is .11. Maximum score allowed is .10 | 07/30/2020 Received ARR report supporting appraisal value. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 20.70 is below guideline maximum DTI.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 26.25 months piti reserves |
| 34526 | XXXX | FL | (No Data) | (No Data) B A | A | A D B | A | A | Property Valuations | FEMA | Active | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Post FEMA natural disaster property inspection for Hurricane XXX effective XXX re-inspection report not provided. dec # XXX. Closing date of XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 20.70 is below guideline maximum DTI.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 26.25 months piti reserves |
| 48820 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | A D B | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C A | C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Lender verified Rebuttable Presumption. Review verified Non-QM: Lender documented all ATR UW factors. | 11/28/2018: Lender responded that loan is non-QM. Exception satisfied. | 11/28/2018: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 25 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 16 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 48.91%; max allowed per guidelines is 60%. |
| 48820 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | A D B | C | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH121 | Bankruptcy history does not meet guidelines | No | Borrower filed chapter XXX in XXX. Documents in file state discharge date is XXX which is 11 months from Note date. Guidelines require greater than or equal to two years from discharge. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 25 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 16 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 48.91%; max allowed per guidelines is 60%. |
| 48820 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | A D B | C | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated desk review to support value of $XXX. Also, no subsequent inspection after FEMA declared disaster XXX Public & Individual Wildfires XXX. | 1.17.19 Desk review provided supports value within a 10% tolerance. | 1.17.19 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 25 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 16 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 48.91%; max allowed per guidelines is 60%. |
| 48820 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | A D B | C | A | Property Valuations | FEMA | Satisfied | N/A | N/A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the XXX FEMA Disaster- Wildfires. | 1/26/2019- Lender provided fire map reflecting subject property not located in wildfire. | 1/26/2019- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 25 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 16 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 48.91%; max allowed per guidelines is 60%. |
| 33233 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | A D B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing acknowledgment of CD XXX days prior to consummation of XXX. | 07.31.20 Client Provided Proof of confirmation. Exception Satisfied | 07.31.20 Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 36.28% |
| 33233 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | A D B | C | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5331 | Most recent FSD score outside of approved variance | No | FSD score of .13 > approved variance .10 | 07/15/2020 Received ARR report supporting appraisal value. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 36.28% |
| 33233 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | A D B | C | A | Property Valuations | FEMA | Active | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Post FEMA disaster effective XXX, XXX ; dec # XXX; Note date XXX, Appraisal date XX. Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 36.28% |
| 36046 | XXXX | PA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Right of Rescission | Satisfied | C B | C B | CMPROR1911 | Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor | No | Incorrect ROR form H9 used for Non-Lender to Lender Refinance. Provide an LOE and corrected ROR form type to all titleholders, proof of delivery, and reopen rescission with dates allowing for method of delivery. | 11/16 Client provided the H8 form and proof of delivery. | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 - 15 years in XXX |
| 85810 | XXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan LTV of 69.23& is less than the max LTV of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying score of 794 is above the minimum score of 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $31,619 exceed guidelines $0. |
| 85811 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | DTI | Waived | B | B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | The DTI is 43.79% and guidelines require the DTI be 43% because the credit score is < 640. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied the subject property for 10 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing Assets: $5,575.90/$2,253.21 PITIA = 2.47 months reserves and guidelines do not require reserves because the LTV is less than 75% |
| 85812 | XXXX | TN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | DTI | Satisfied | D A | D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification that mortgage for XXX with XXX in the monthly amount of $4,963.20 is paid thru or owned by borrower business. If PITI included in debts resulting DTI 54.67%. Additional conditions may apply. | 8/20/2025- Uploading proof mortgage with XXX is owned by borrowers business | Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 797 exceeds min score requirement of 750<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0X30X26.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 68.53% is below max LTV of 85%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX or 6 years 11 months. |
| 84558 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Texas Home Equity | Satisfied | C B | C B | CMPTXHE118 | Texas Equity - Affidavit of Fair Market Value not signed by borr/owners | No | Provide borrower signed Texas Equity - Affidavit of Fair Market Value. | 6.12.25-Client provided signed Texas Equity - Affidavit of Fair Market Value. | 6.12.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 7 years in current job exceeding 2 years minimum<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 14.89% is below require guideline of 50.49% |
| 84571 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 50.03% is below max LTV of 65%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 721 FICO score. Minimum required 700. |
| 85813 | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 9.9.25 Client provided Initial CD issued & e-signed XXX. | 9.9.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 30.43%, max per guidelines is 50.49%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $1,013,279.75 or 62.88 months PITI, guidelines required 0 months PITI. |
| 85813 | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 9.9.25 Client provided Initial CD issued & e-signed XXX. | 9.9.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 30.43%, max per guidelines is 50.49%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $1,013,279.75 or 62.88 months PITI, guidelines required 0 months PITI. |
| 85814 | XXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 Years and 0 months at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX at current job for 25 years. |
| 85815 | XXXX | HI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH118 | Mortgage/rental lates exceed guidelines | No | Borrowers have 4 30 day late payments, 2 are rolling, considered as 3 30 day late mortgage payments within the past 12 months. Program summary permits 1 30 day late. No exception approval noted in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 18 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves $72,487.34, none required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan approved at 49.38%, Max 75% |
| 86328 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Texas Home Equity | Satisfied | C A | C A | CMPTXHE324 | TX Equity - Security Instrument is not a Fannie/Freddie standard form | No | TX Equity - Security Instrument is not a Fannie/Freddie standard form, the required TX Equity verbiage is not stated on page 1. | 10.9.25-Client provided executed TX 50 (a)(6) Note & Security Instrument. | 10.9.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 29.21% is below max 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 15 years current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 21 years at current residence. |
| 86328 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Texas Home Equity | Satisfied | C B | C B | CMPTXHE118 | Texas Equity - Affidavit of Fair Market Value not signed by borr/owners | No | Provide Texas Equity - Affidavit of Fair Market Value signed by borrower, currently the FMV in file is only signed by Lender. | 10.9.25-Client provided Fair Market Value doc signed by Lender & Borrowers. | 10.9.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 29.21% is below max 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 15 years current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 21 years at current residence. |
| 85816 | XXXX | HI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 48.11% is below guideline requirement of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 42.04%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 801 exceeds guidelines of 700. |
| 85817 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3706 | TRID - Curable Issue #1 related to the Closing Disclosure in file | No | Provide PCCD showing Portion of Proceeds Transfer of $XXX in correct section other than Section H. | 8.13.25-Client provided PCCD issued XXX with Portion of Proceeds Transfer amount in Payoffs and Payments section. | 8.13.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 11 years and 7 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 43 years and 6 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been employed with XXX for 15 years and 11 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 41.32%; max allowed per guidelines is 65%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 qualifying score. Min required per guidelines is 780.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 41 months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $660,855.20 or 32.71 months PITI, guidelines required 0 months PITI. |
| 85818 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 Years and 6 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 18 years and 0 months in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 730 File credit score 798. |
| 85820 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | Federal Consumer Protection | Satisfied | C A | C A | CMPFDCP2143 | TILA - Prohibited Comp to Broker by both borrower and 3rd Party | No | Borrower paid a broker fee, the lender is not allowed to also compensate the broker.Provide PCCD with $530 cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery. | 8.18.25-Client provided PCCD issued XXX, Copy of Refund Check and Tracking Information. | 8.15.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 5 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0X30X47. |
| 85822 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH104 | Credit score below guidelines | No | Credit score 592 is below minimum of 600. Lender approval in file. | Final grade B | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 61.07% is below max LTV of 65%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has maintained employment with current employer for 8 years. |
| 85822 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower does not meet the minimum credit requirements of 3 open tradelines greater than 24 months. | 7/30/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 61.07% is below max LTV of 65%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has maintained employment with current employer for 8 years. |
| 85823 | XXXX | PA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $109,470 exceed guidelines $13,566.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No lates on mortgage history on credit report.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower 7.8 years at current residence. |
| 86332 | XXXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 7 years and 6 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 717 qualifying score. Min required per guidelines is 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 46.02% is below guideline requirement of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $10,301.13 exceed guidelines of $0. |
| 86333 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide of receipt for initial CD dated XXX. | 8.4.25 Client provided Initial CD issued & e-signed XXX. | 8.4.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.39% is below guideline requirement of 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 Years and 11 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 4 years and 0 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 797 exceeds guidelines 680. |
| 86333 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof of receipt for initial CD dated XXX. | 8.4.25 Client provided Initial CD issued & e-signed XXX. | 8.4.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.39% is below guideline requirement of 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 Years and 11 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 4 years and 0 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 797 exceeds guidelines 680. |
| 86333 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Escrow waiver requires 24 months housing history 0x30. File contains housing history XXX-XXX. Provide history from XXX-XXX. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.39% is below guideline requirement of 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 Years and 11 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 4 years and 0 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 797 exceeds guidelines 680. |
| 85824 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Insurance | Satisfied | C A | C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance Effective date of XXX is greater than the disbursement date XXX | 09/09/2025 lender response: Uploaded policy showing insurance was effective at closing (expiration of XXX) | 09/09/2025 exception satisfied | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job 16 years 11 months.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 0X30X256.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0X30X21.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 783 exceeds min score requirement of 750. |
| 85825 | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Assets | Waived | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified reserves of 3.52 months which is less than the minimum required of 6 months for Non-Prime 30 Year Fixed. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 703 is > the minimum credit score of 660.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 5 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 37.16% is < the maximum DTI of 50.49% |
| 85825 | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | LTV/CLTV | Waived | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 85% exceeds maximum LTV of 80% for P&L income documentation loan. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 703 is > the minimum credit score of 660.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 5 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 37.16% is < the maximum DTI of 50.49% |
| 85826 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 & B2 have occupied the departing residence for 6 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B3 has been with current employer for 8 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 85% and guidelines allow the HCLTV to be 90%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $454,897 exceed guidelines $38,611. |
| 86336 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Loan Approval and Underwriting Loan Approval Worksheet presented loan as Asset Depletion. Monthly asset depletion income and DTI were not presented on these approvals. Provide corrected loan approvals verifying lenders income calculation and resulting DTI. | 8/15/25- Doc type is Asset Depletion Only aka ATR-In-Full. This doc type is exempt from DTI calculations per sec 7.3 of GLs. Uploading income analysis which states purpose of account used is for ATR-In-Full | Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current rental occupied residence for 6 years and 8 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%; max allowed per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 751 qualifying score. Min required per guidelines is 740.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $360,752.56 exceed guidelines $0. |
| 86337 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 71.698%; max allowed per guidelines is 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $142,059.75. CTC $XXX leaves reserves of $62,709.38 or 29.12 mos. No Reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been running his business for 4 years<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Bank statements in file show consistent income from XXX sales and the direct deposit of wages. These have been excluded from qualifying but are additional income. |
| 85829 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | DTI | Satisfied | C A | C A | CRDDTI187 | Debt Ratio > 50% | No | CO-Borrower no longer employed, income cannot be used. | 09/09/2025 lender provided Offer Letter, 1st paystub, updated ULAW, Final 1003, income calc. & approval | 09/09/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No lates on mortgage history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 7 years at primary residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 35.55 below max guides of 60%. |
| 85829 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied | C A | C A | CRDINC2488 | Verbal verification of employment missing | No | CoBorr new employment began XXX with XXX. Note is dated XXX. Missing VVOE within three days of funding. | 09/22/2025 lender provided VVOE and updated ULAW with comp factors | 09/22/2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No lates on mortgage history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 7 years at primary residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 35.55 below max guides of 60%. |
| 85829 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied | C A | C A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | CO-Borrower no longer employed, income cannot be used. | 09/09/2025 lender provided Offer Letter, 1st paystub, updated ULAW, Final 1003, income calc. & approval | 09/09/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No lates on mortgage history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 7 years at primary residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 35.55 below max guides of 60%. |
| 85829 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied | C A | C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | CO-Borrower no longer employed, income cannot be used. | 09/09/2025 lender provided Offer Letter, 1st paystub, updated ULAW, Final 1003, income calc. & approval | 09/09/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No lates on mortgage history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 7 years at primary residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 35.55 below max guides of 60%. |
| 85829 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2302 | Missing Required Income Documentation | No | CO-Borrower no longer employed, income cannot be used. | 09/09/2025 lender provided Offer Letter, 1st paystub, updated ULAW, Final 1003, income calc. & approval | 09/09/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No lates on mortgage history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 7 years at primary residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 35.55 below max guides of 60%. |
| 86338 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $80,842.43 exceed guidelines $31,677.84.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 771 is > the minimum credit score of 730.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Departing residence mortgage reviewed for 63 months with 0x30.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX. |
| 85830 | XXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing prior mortgage payment history with XXX from XXX-XXX to complete full 12 month history. | 8/22/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75% is below max guidelines of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 707 exceed min guides of 620.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5.9 years at current job. |
| 85831 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18 Years and 7 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 85% File LTV 60%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 700 File credit score 725. |
| 86340 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 18 year 7 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is 25.01% and guidelines allow the DTI to be 50.49% |
| 86341 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Waived | B | B | CMPTRID3492 | TRID - Waiver of TRID waiting period in file | No | Borrower handwritten letter waiving 3 day waiting period in file to include Lender Approval email. | 10.2.25-Borrower handwritten letter waiving 3 day waiting period & Lender Approval email are in the file. | 10.2.25-Exception Waived. Final Grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 3 years and 5 months at current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.02% is below guideline requirement 50%. |
| 86341 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Credit | Income/Employment | Waived | B | B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing VVOE within 3 days of Note date XXX for B1 second job XXX. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 3 years and 5 months at current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.02% is below guideline requirement 50%. |
| 86342 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 651 exceeds min score requirement of 640.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 70% / Max LTV 80% |
| 86343 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 7 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Loan DTI 13.14% is less than the maximum DTI of 40%<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history reporting to credit is positive. |
| 86344 | XXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No | Provide Application Authorization Document. | 9.17.25-Client provided Application Authorization Document. | 9.17.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 764 exceeds guidelines 660.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 8 years and 0 months at current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 30.32% is below guideline requirement of 50%. |
| 85835 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $305,424 exceed guidelines $42,852.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in the same profession for 30 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 698 exceeds guidelines 640. |
| 86345 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 8.22.25 Client provided Initial CD issued & e-signed XXX. | 8.22.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $575,093 exceed guidelines $0.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Credit history is positive over the review period. |
| 86345 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 8.22.25 Client provided Initial CD issued & e-signed XXX. | 8.22.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $575,093 exceed guidelines $0.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Credit history is positive over the review period. |
| 85836 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No | Provide Application Authorization Document. | 9.9.25-Client provided Application Authorization Document. | 9.9.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 725 exceeds guidelines 640.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX or 21 years 4 months. |
| 85836 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Credit | Assets | Waived | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified assets $129,090.88. Cash to close $XXX with reserves $20,569.24. Required reserves $24,641.88 short reserves of $4,072.64. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 725 exceeds guidelines 640.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX or 21 years 4 months. |
| 85836 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Borrower with less than 12 months prior rental history verified from XXX-XXX. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 725 exceeds guidelines 640.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX or 21 years 4 months. |
| 85836 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | D | A D B C | D | A | Credit | Income/Employment | Satisfied | C A | C A | CRDINC2488 | Verbal verification of employment missing | No | Missing the VVOE from wage earner job within 3 days of Note date XXX. | 09/11/2025 lender provided VVOE | 09/11/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 725 exceeds guidelines 640.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX or 21 years 4 months. |
| 85837 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 716 is > the minimum credit score of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $113,866 exceed guidelines $0.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.4234% is < the maximum DTI of 50%. |
| 85838 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 Years and 9 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 660 File credit score 707.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.41% is below guideline requirement of 50%. |
| 85839 | XXXX | TN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 9.3.25 Client provided Initial CD issued & e-signed XXX. | 9.3.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves $39,800.05/ Required reserves $0.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 17 years 7 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 38.15%, max per guidelines is 50%. |
| 85839 | XXXX | TN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 9.3.25 Client provided Initial CD issued & e-signed XXX. | 9.3.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves $39,800.05/ Required reserves $0.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 17 years 7 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 38.15%, max per guidelines is 50%. |
| 85840 | XXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $59,930.32. Required reserves $15,574.08.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x17.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 0x30x83.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX sine XXX or 23 years 2 months. |
| 86346 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower has 25 years at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.09% is below max of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV is below max 80%. |
| 86347 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | LTV/CLTV | Waived | B | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | LTV 80% exceeds the maximum of 70% for FTHB without housing history. Lender approval in file. | 8/22/25- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $48,551.31 exceed guidelines of $20,933.88.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is 37.86% and guidelines allow the DTI to be 43.00% |
| 86349 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have occupied the subject property for 20 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX for 25 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been XXX for 25 years 7 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 74.67% and guidelines allow the HCLTV to be 80% |
| 85842 | XXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Finance Charge Tolerance | Satisfied | C B | C B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Provide Loan Detail Report at Closing or as close to closing as possible, to include the undiscounted rate. | 8.29.25-Client provided LDR XXX for the Initial CD issued XXX, it does not include fees added on the Final CD issued XXX. Provide LDR at Closing or PCCD with $720 cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery.9.3.25-Client provided most recent LDR. Discrepancy is Title Settlement Fee. LDR shows it as not tested as an APR Fee and our testing includes it as an APR fee. Provide PCCD with $720 cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery.9.10.25-Client provided PCCD issued XXX, Copy of Refund Check and Tracking Information. | 8.29.25-Exception Remains.9.3.25-Exception Remains.9.10.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 7 years 9 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX 5 years 10 months. |
| 85842 | XXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Finance Charge Tolerance | Satisfied | C B | C B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed | No | Provide Loan Detail Report at Closing or as close to closing as possible, to include the undiscounted rate. | 8.29.25-Client provided LDR XXX for the Initial CD issued XXX, it does not include fees added on the Final CD issued XXX. Provide LDR at Closing or PCCD with $720 cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery.9.3.25-Client provided most recent LDR. Discrepancy is Title Settlement Fee. LDR shows it as not tested as an APR Fee and our testing includes it as an APR fee. Provide PCCD with $720 cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery.9.10.25-Client provided PCCD issued XXX, Copy of Refund Check and Tracking Information. | 8.29.25-Exception Remains.9.3.25-Exception Remains.9.10.25-Exception Satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 7 years 9 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX 5 years 10 months. |
| 85842 | XXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing 12 month rental history on current residence. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 7 years 9 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX 5 years 10 months. |
| 86350 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 798 credit score exceeds min guides of 730.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 6 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 30 years at current profession. |
| 85843 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current principal residence for 23 years and 1 month.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 55 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 789 is > the minimum credit score of 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $22,947 exceed guidelines $0.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 2.69% is < the maximum DTI of 50%. |
| 85844 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 Years and 9 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 20 years and 0 months at current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.11% is below guideline requirement 40%. |
| 86354 | XXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH104 | Credit score below guidelines | No | Credit score of 647 is below min score requirement of 680 for Rural properties. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 Years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 15 years and 6 months at current profession<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 65% File 50% |
| 86354 | XXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing ULAW from file for review. | 09/22/2025 lender provided ULAW | 09/22/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 Years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 15 years and 6 months at current profession<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 65% File 50% |
| 86357 | XXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned departing residence for 9 years and 10 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 69.99% is < the maximum LTV of 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 685 is > the minimum credit score of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Current mortgage reviewed for 57 months with 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $286,446.99. CTC $XXX leaves reserves of $82,323.02 or 21.72 mos. Reserves required 0 mos. |
| 85846 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 693 exceeds min score requirement of 640.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past: 23 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 14 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 56.77%; max allowed per guidelines is 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 12.80%, max per guidelines is 50%. |
| 86359 | XXXX | KY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Income/Employment | Satisfied | C A | C A | CRDINC2488 | Verbal verification of employment missing | No | Missing the VVOE for B1 dated within 3 days of Note date XXX. | 09/22/2025 lender provided VVOE | 09/22/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.51% is below guideline requirement of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score 760 above minimum of 640<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 69.98 below max of 80% |
| 86362 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 50%; max allowed per guidelines is 70%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 Years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 28 years and 0 months at current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50.49% File 3.92% |
| 86363 | XXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Terms/Guidelines | Waived | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Loan Amount of $XXX to be rounded down to $50 increments, or $XXX. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 40.40% is below max of 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 25 years at current job.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: No lates on several mortgage history on credit. |
| 86364 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | LTV/CLTV | Waived | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV 85% exceeds the maximum of 80% for transaction as submitted. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 5 years and 0 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 751 exceeds guidelines 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.37% is below guideline requirement of 50%. |
| 86364 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Property Valuations | Appraisal | Satisfied | C A | C A | PRVAAPPR119 | Appraisal documentation does not support occupancy | No | Loan presented as a cash out refinance transaction of owner occupied property. Appraisal occupancy listed as Vacant and Comparable Rent Schedule included in appraisal. Provide explanation for occupancy and purpose of rent schedule for owner occupied property. | 09/17/2025 lender response: The borrower purchased the home in XXX as an investment property but later decided to make it her primary residence. She remodeled the property, which was ongoing during the initial appraisal, resulting in a ''vacant'' status. After completing the remodel, the borrower moved in, as confirmed by occupancy documents. As the property is now her primary residence, the loan must close under TRID primary residence guidelines. Uploading occupancy documents. | 09/17/2025 exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 5 years and 0 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 751 exceeds guidelines 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.37% is below guideline requirement of 50%. |
| 86365 | XXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 9.22.25 Client provided Initial CD issued & e-signed XXX. | 9.22.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 63.09 is below max guides of 70%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 15 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 14 years at current profession of XXX. |
| 86365 | XXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 9.22.25 Client provided Initial CD issued & e-signed XXX. | 9.22.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 63.09 is below max guides of 70%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 15 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 14 years at current profession of XXX. |
| 86366 | XXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 9.26.25-Client provided Initial CD issued XXX & e-signed XXX. | 9.26.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX for 18 years 7 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 37.68% is below guideline requirements 70%. |
| 86366 | XXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 9.26.25-Client provided Initial CD issued XXX & e-signed XXX. | 9.26.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX for 18 years 7 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 37.68% is below guideline requirements 70%. |
| 86368 | XXXX | MO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 14 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 69.26% is below max LTV of 75%. |
| 86369 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 29 Years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 12 years and 0 months at current profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 700 File credit score 792.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 16.13% is below guideline requirements of 80%. |
| 86370 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 8.29.25 Client provided Initial CD issued & e-signed XXX. | 8.29.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 640 File credit score 751.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.05% is below guideline requirement of 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower owned departure residence for 4 Years and 2 months. |
| 86370 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 8.29.25 Client provided Initial CD issued & e-signed XXX. | 8.29.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 640 File credit score 751.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.05% is below guideline requirement of 50%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower owned departure residence for 4 Years and 2 months. |
| 86371 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years and 0 months at current profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 Years and 1 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 660 File credit score 689. |
| 85847 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing.Provide Application Authorization Document. | 9.9.25-Client provided Application Authorization Document. Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing.9.11.25 Client provided Initial CD issued & e-signed XXX. | 9.9.25-Exception Remains.9.11.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 709 FICO score. Minimum required 640.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has successfully owned and operated his construction business for 7 years. |
| 85847 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 9.11.25 Client provided Initial CD issued & e-signed XXX. | 9.11.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 709 FICO score. Minimum required 640.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has successfully owned and operated his construction business for 7 years. |
| 86372 | XXXX | PA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Assets | Waived | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified reserves 7.34 months or $27,173 does not meet the requirement of 12 months reserves or $44,442. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 0x30x70.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.24% is below guideline requirement of 50%. |
| 86374 | XXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 8 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been working for the same employer for 8 years<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history 0x30 since XXX. |
| 86375 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $1,069,789.58 or 298.23 months PITIA, guidelines required 6 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 16.32%, max per guidelines is 50.49%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current occupied residence for 21 years and 4 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with XXX for 17 years and 8 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; max allowed per guidelines is 90%. |
| 86378 | XXXX | HI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 5 years 10 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job, 25 years 7 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive rental payment history 0x30x43.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $48,095.89. Required reserves $0. |
| 86380 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Income/Employment | Satisfied | C A | C A | CRDINC150 | Income docs do not meet guidelines | No | Missing copy of lease with rent of $3105 for REO on XXX as stated on the final 1003 or documentation a third party pays the mortgage to XXX of $2255.26 monthly. If not verified revised DTI would be 56.93%. Additional conditions may apply. | 09/30/2025 lender response: Borrower and her mother (XXX) co-own the REO. Its the mothers primary residence that she pays for on her own, it has been removed from the DTI. Uploading mortgage statement and proof of 6 months of payments from XXX | 09/30/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 789 exceeds min score requirement of 700.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 99 months. |
| 86380 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | LTV/CLTV | Waived | C B | C B | CRDLTV3034 | CLTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | CLTV 90% exceeds the maximum of 85% for loan amount greater than $1,500,000. | 09/30/2025 lender response: Updated ULAW uploaded09/30/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for Credit Score and Mortgage Payment History.09/30/2025 client acknowledged exception | 09/30/2025 Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 789 exceeds min score requirement of 700.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 99 months. |
| 86381 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 52.83% is below max LTV of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 785 FICO score. Minimum required 660. |
| 86382 | XXXX | NM | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | LTV/CLTV | Waived | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Loan LTV of 80% is above the max LTV of 75%. Exception approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been operating their business for 10 years<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history reporting to credit is positive<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $17,176.55. None required. |
| 85848 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Application | Satisfied | D A | D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Borrowers XXX reflects valid for work only, missing unexpired XXX or valid XXX. | 09/11/2025 lender response: Uploading unexpired XXX | 09/11/2025 exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $63,271 exceed guidelines $15,696.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.39% is below guideline requirement of 50%. |
| 86383 | XXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75% is below guideline requirements of 90%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Verified 730 FICO score. Minimum required 620.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has successfully owned and operated his landscaping business for 10 years. |
| 86384 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Income/Employment | Waived | B | B | CRDINC2408 | Income verification does not meet guidelines | No | Per guidelines acceptable documentation supporting the existence of the business for the mostrecent two (2) years must be obtained. Lender acknowledged exception in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 2 Years and 3 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 5 years and 4 months at current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50.49% File 1.13% |
| 86386 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Income/Employment | Satisfied | C A | C A | CRDINC2488 | Verbal verification of employment missing | No | Missing VVOE for borrower dated within 3 days of Note date XXX. | 10/10/2025 lender provided VOE | 10/10/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 797 FICO score. Minimum required 700.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has retained consistent and stable employment working in the XXX industry for 19 years. |
| 86386 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Income/Employment | Waived | C B | C B | CRDINC150 | Income docs do not meet guidelines | No | WVOE in file dated XXX is greater than 90 days per guidelines. | 10/10/2025 lender response: Updated ULAW uploaded10/10/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for Credit Score and time in profession.10/10/2025 client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 797 FICO score. Minimum required 700.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has retained consistent and stable employment working in the XXX industry for 19 years. |
| 86386 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Terms/Guidelines | Waived | C B | C B | CRDTER4631 | Loan parameters do not meet guidelines | No | WVOE income program does not allow FTHB per guidelines. | 10/10/2025 lender response: Updated ULAW uploaded10/10/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for Credit Score and time in profession.10/10/2025 client acknowledged exception | 10/10/2025 Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 797 FICO score. Minimum required 700.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has retained consistent and stable employment working in the XXX industry for 19 years. |
| 86387 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 8 years 7 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 8 years 1 month.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0X30X52.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 74.60% is below max LTV of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 801 exceeds min score requirement of 750 |
| 86388 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 19 Years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 19 years and 0 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 765 exceeds guidelines 700. |
| 85849 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Income/Employment | Satisfied | C A | C A | CRDINC2488 | Verbal verification of employment missing | No | Missing verbal verification of employment within 72 hours prior to funding. | 069/22/2025 lender provided VVOE | 09/22/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; max allowed per guidelines is 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 qualifying score. Min required per guidelines is 740.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Rental payment history is for 54 months when 12 months are required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 46.44%, max per guidelines is 50.49%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $42,960.71 or 12.45 months PITIA, guidelines required 6 months PITIA. |
| 86391 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 2 years and 7 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 15 years and 0 months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 700 File credit score 753. |
| 86392 | XXXX | MN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrowers with 2 Credit Scores to meet guidelines minimum of 3 open/active tradelines. Borrowers have zero open/active tradelines. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 11 years at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 21.1 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60% is below max guides of 65%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 41.39%, max per guidelines is 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is 0 x 30 for 78 + 59 months when 12 months are required. |
| 86392 | XXXX | MN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Income/Employment | Waived | D B | D B | CRDINC2408 | Income verification does not meet guidelines | No | Per guidelines WVOE can be used for co-borrower as income documentation with a bank statement showing direct deposit. Statement not in file. | 10/01/2025 lender response: Updated ULAW uploaded10/01/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for LTV, DTI, Mortgage Payment History, Time at current job and Time at current residence.10/02/2025 client acknowledged exception | 10/02/2025 Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 11 years at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 21.1 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60% is below max guides of 65%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 41.39%, max per guidelines is 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is 0 x 30 for 78 + 59 months when 12 months are required. |
| 86394 | XXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 8 years 8 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 64.77% is below max LTV of 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 769 exceeds min score requirement of 750. |
| 86396 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance of $395 due to Trust Review Fee fee added with no valid reason in file. Provide COC reflecting valid reason for the fee changes or PCCD with cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery. | 9.22.25-Client provided COC dated XXX showing Trust Review Fee added. | 9.22.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 52.20% is below max LTV of 65%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 782 FICO score. Minimum required 700. |
| 86396 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Credit | DTI | Waived | B | B | CRDDTI187 | Debt Ratio > 50% | No | Loan was approved with DTI 53.94%; Max DTI 50.49% | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 52.20% is below max LTV of 65%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 782 FICO score. Minimum required 700. |
| 86401 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan LTV of 65% is less than the maximum LTV of 80%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same line of work for 10 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying score of 783 is above the minimum 620 required for 65% LTV |
| 86403 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 27 years 1 month.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 32.26% is below max LTV of 70%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job. 19 years 5 months. |
| 86404 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower did not meet the minimum credit requirements of 3 open tradelines greater than 24 months. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 9 years 5 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves $152,352.94. Required reserves $23,330.22. |
| 86404 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | LTV/CLTV | Waived | C B | C B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | 80% LTV exceeds the maximum of 65% for mortgage history 1x60 in last 12 months. | 09/18/2025 Lender response: Updated ULAW uploaded09/18/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for Reserves, Time in Profession and Time at Current Address.09/19/2025 client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 9 years 5 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves $152,352.94. Required reserves $23,330.22. |
| 86406 | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $134,762.58 - $XXX required 12-months reserves = $15,039.30/$10,316.94 PITIA = 1.46 additional months reserves.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is 45.92% and guidelines allow the DTI to be 50.49%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has been XXX for 7 years |
| 86409 | XXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 9.29.25 Client provided Initial CD issued & e-signed XXX. | 9.29.25-Exceptin Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 25 years 3 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 55.46% and guidelines allow the HCLTV to be 60%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $17,876.31/$3,351.57 PITI = 5.33 months reserves.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is 29.94% and guidelines allow the DTI to be 50% |
| 86409 | XXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 9.29.25 Client provided Initial CD issued & e-signed XXX. | 9.29.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX for 25 years 3 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 55.46% and guidelines allow the HCLTV to be 60%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $17,876.31/$3,351.57 PITI = 5.33 months reserves.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is 29.94% and guidelines allow the DTI to be 50% |
| 86412 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 33.69 is below max of 43%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good overall credit on credit report.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 807 exceeds min of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $178,265.77 exceed guidelines $86,547.00. |
| 86413 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 9.26.25-Client provided Initial CD issued & e-signed XXX. | 9.26.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 9 years at current profession.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Good consumer credit history .<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV OF 75% is below guides 80%. |
| 86413 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3658 | TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 9.26.25-Client provided Initial CD issued & e-signed XXX. | 9.26.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 9 years at current profession.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Good consumer credit history .<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV OF 75% is below guides 80%. |
| 86413 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 9.26.25-Client provided Initial CD issued & e-signed XXX. | 9.26.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 9 years at current profession.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Good consumer credit history .<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV OF 75% is below guides 80%. |
| 86413 | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | DTI | Waived | C B | C B | CRDDTI187 | Debt Ratio > 50% | No | LTV 51.01% exceeds the maximum allowed of 50.49%. Lender DTI 50.44%. Variance based on business income calculated $10,943.77 and XXX $2,132.50 compared to lender $10,968.20 and XXX $2,166.69. | 09/19/2025 lender response: Updated ULAW uplaoded09/19/2025 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for LTV, Consumer Payment History and Time in profession.09/22/2025 client acknowledged exception | 09/22/2025 Final grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 9 years at current profession.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Good consumer credit history .<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV OF 75% is below guides 80%. |
| 86414 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Income/Employment | Satisfied | C A | C A | CRDINC2488 | Verbal verification of employment missing | No | Missing VVOE for B2, within 3 days of funding. | 10/03/2025 lender provided VVOE | 10/03/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 808 is > the minimum credit score of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $501,066.58. CTC $XXX leaves reserves of $348,357.81 or 25.84 mos. Reserves required 12 mos.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession for 17 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 30.99% is < the maximum DTI of 50% |
| 86415 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | LTV/CLTV | Waived | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV Exceeds Guideline Requirement by at least 5%- Exception approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 715 exceeds min score requirement of 700.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 25 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with employer in the past: 16 years. |
| 86419 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 54 months when 12 months are required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 36.32%, max per guidelines is 50.49%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $440,033.331 or 328.87 months PITI, guidelines required 0 months PITI.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 qualifying score. Min required per guidelines is 760. |
| 86422 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2408 | Income verification does not meet guidelines | No | Bonus income used to qualify. Missing the WVOE used to determine bonus income. Without bonus income revised DTI is 52.56%. | 09/26/2025 lender provided WVOE & VOE | 09/26/2025 exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 17 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 745 exceeds guidelines 640. |
| 86423 | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 Years and 0 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 3 years and 1 months at current profession. |
| 86425 | XXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $1,272,249.38. CTC $XXX leaves reserves of $1,112,018.61 or 197.57 mos. Reserves required 6 mos.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 10 years<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history reporting to credit is positive. |
| 86426 | XXXX | LA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.66% is below the guideline requirement of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $200,000.97 exceed guidelines $0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 686 exceeds guidelines 640. |
| 86427 | XXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have occupied the primary residence for 20 Years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 62.50% and guidelines allow the HCLTV to be 65%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $14,027.84/$2,233.03 PITIA = 6.28 months reserves.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX for 15 years, 9 months<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been with the employer for 8 years 9 months. |
| 86428 | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 5 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 20 years 2 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0X30X58.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 45.08%, max per guidelines is 50%. |
| 86429 | XXXX | AL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | DTI | Satisfied | D A | D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of HOA $83.33 monthly for REO on XXX as listed on the final 1003. | 10/03/2025 lender response: Uploading annual HOA bill. | 10/03/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 799 exceeds guidelines 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 8 years at current residence. |

---

## Exhibit 99.04

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.04 - Schedule 3**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MFA 2025-NQM5** |
| **Start - End Dates:** | **11/19/2018 - 10/6/2025** |
| **Deal Loan Count:** | **294** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *294* |
| ***Loans with Conditions:*** | *108* |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 85723 | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 85724 | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 85725 | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 85726 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 79932 | XXXX | XXXX A | A | A | A | A | No |
| 84416 | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 86153 | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | No |
| 86155 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85727 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 85728 | XXXX | XXXX B A | A | A B | A | A | Not Applicable |
| 85730 | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | No |
| 85731 | XXXX | XXXX B A | A | A B | A | A | Yes |
| 86157 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85732 | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 85733 | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 85736 | XXXX | XXXX C B A | A | A C B | A | A | Not Applicable |
| 85738 | XXXX | XXXX C A | A | A C | A | A | No |
| 85739 | XXXX | XXXX A | A | A | A | A | No |
| 86160 | XXXX | XXXX C A | A | A C | A | A | Not Applicable |
| 85740 | XXXX | XXXX A | A | A | A | A | No |
| 86161 | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | No |
| 85741 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 85742 | XXXX | XXXX D A | N/A | N/A D | N/A | N/A | No |
| 85744 | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 85745 | XXXX | XXXX D B A | N/A | N/A D B | N/A | N/A | Not Applicable |
| 86163 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 85747 | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 85748 | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 85749 | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 86165 | XXXX | XXXX A | A | A | A | A | No |
| 86166 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85750 | XXXX | XXXX D A | A | A D | A | A | No |
| 86167 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 86168 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 85752 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85753 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86169 | XXXX | XXXX C B A | A | A C B | A | A | Not Applicable |
| 85754 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86170 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 85756 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 85757 | XXXX | XXXX A | A | A | A | A | No |
| 86171 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 85759 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 85760 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85761 | XXXX | XXXX A | A | A | A | A | Yes |
| 85762 | XXXX | XXXX A | A | A | A | A | No |
| 86173 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 85763 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86175 | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | No |
| 85764 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 86176 | XXXX | XXXX A | A | A | A | A | Yes |
| 85767 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86177 | XXXX | XXXX D A C | N/A | N/A D C | N/A | N/A | No |
| 85769 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86178 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 85771 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 86180 | XXXX | XXXX C A | N/A | N/A C | N/A | N/A | No |
| 86181 | XXXX | XXXX B A | B | B A | B | B | Not Applicable |
| 86182 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 86183 | XXXX | XXXX B A | A | A B | A | A | Not Applicable |
| 85774 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86184 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 86185 | XXXX | XXXX B A | A | A B | A | A | No |
| 86186 | XXXX | XXXX D A | D | A D | D | A | Not Applicable |
| 86187 | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 85777 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86188 | XXXX | XXXX B A | A | A B | A | A | Not Applicable |
| 85778 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85779 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85780 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85781 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86189 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86190 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86191 | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | No |
| 86192 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 86193 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86194 | XXXX | XXXX A | A | A | A | A | No |
| 86195 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85784 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85785 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86196 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85786 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85787 | XXXX | XXXX A | A | A | A | A | No |
| 86198 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 86200 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85788 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86202 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86203 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86204 | XXXX | XXXX D B A | N/A | N/A D B | N/A | N/A | Not Applicable |
| 85789 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86205 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85790 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86206 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 85791 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86207 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Yes |
| 86208 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86210 | XXXX | XXXX D A | A | A D | A | A | Not Applicable |
| 86212 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86213 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86215 | XXXX | XXXX C B A | N/A | N/A C B | N/A | N/A | Not Applicable |
| 86216 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 86217 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85793 | XXXX | XXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 85794 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 86218 | XXXX | XXXX D A | A | A D | A | A | Not Applicable |
| 86219 | XXXX | XXXX A | A | A | A | A | No |
| 86220 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86221 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86222 | XXXX | XXXX B A | A | A B | A | A | Yes |
| 86223 | XXXX | XXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 85795 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Yes |
| 86224 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 86225 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 86227 | XXXX | XXXX C A | A | A C | A | A | No |
| 86228 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86229 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86231 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 85796 | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 86232 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85798 | XXXX | XXXX A | A | A | A | A | No |
| 86233 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85799 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86234 | XXXX | XXXX A | A | A | A | A | No |
| 85800 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86235 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86236 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86238 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 86239 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 86242 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85801 | XXXX | XXXX D A | A | A D | A | A | No |
| 86244 | XXXX | XXXX D A | A | A D | A | A | Not Applicable |
| 86246 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 86247 | XXXX | XXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| 86248 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86249 | XXXX | XXXX D B A | N/A | N/A D B | N/A | N/A | Not Applicable |
| 85803 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86250 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 86251 | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 86252 | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 85804 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86253 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86254 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86256 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 85805 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85806 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 86257 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86258 | XXXX | XXXX B A | A | A B | A | A | No |
| 86259 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 85807 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86260 | XXXX | XXXX A | A | A | A | A | Yes |
| 86261 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86262 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 86264 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86267 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86268 | XXXX | XXXX A | N/A | N/A | N/A | N/A | No |
| 86269 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 86271 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 86272 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 86273 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86277 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 86278 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86280 | XXXX | XXXX C A | A | A C | A | A | Not Applicable |
| 86281 | XXXX | XXXX D A | N/A | N/A D | N/A | N/A | No |
| 86282 | XXXX | XXXX B | A | A B | A | A | No |
| 86283 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 86284 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86288 | XXXX | XXXX C A | A | A C | A | A | Not Applicable |
| 86289 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 86290 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86291 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86292 | XXXX | XXXX A | A | A | A | A | No |
| 86293 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86296 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Yes |
| 86297 | XXXX | XXXX A | A | A | A | A | No |
| 86300 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 86301 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86302 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 86303 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 86304 | XXXX | XXXX D A | A | A D | A | A | No |
| 86305 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86306 | XXXX | XXXX D A | A | A D | A | A | Not Applicable |
| 86307 | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | Yes |
| 86308 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86310 | XXXX | XXXX B A | A | A B | A | A | No |
| 86311 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86312 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86313 | XXXX | XXXX A | A | A | A | A | No |
| 86314 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86318 | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 86319 | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 86321 | XXXX | XXXX A | N/A | N/A | N/A | N/A | No |
| 86322 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86323 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86324 | XXXX | XXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 85808 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86327 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 34526 | XXXX | XXXX D B A | A | A D B | A | A | No |
| 48820 | XXXX | XXXX D B A | C | A D B | C | A | (No Data) |
| 33233 | XXXX | XXXX D B A | C | A D B | C | A | Not Applicable |
| 36046 | XXXX | XXXX C B A | C | B C A | C | B | Not Applicable |
| 85810 | XXXX | XXXX A | A | A | A | A | No |
| 85811 | XXXX | XXXX B A | A | A B | A | A | Not Applicable |
| 85812 | XXXX | XXXX D A | A | A D | A | A | Not Applicable |
| 84558 | XXXX | XXXX C B A | C | B C A | C | B | Not Applicable |
| 84571 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85813 | XXXX | XXXX C A | C | A C | C | A | Not Applicable |
| 85814 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85815 | XXXX | XXXX B A | A | A B | A | A | Not Applicable |
| 86328 | XXXX | XXXX C B A | C | B C A | C | B | Not Applicable |
| 85816 | XXXX | XXXX A | A | A | A | A | No |
| 85817 | XXXX | XXXX C B A | C | B C A | C | B | Not Applicable |
| 85818 | XXXX | XXXX A | A | A | A | A | Yes |
| 85820 | XXXX | XXXX C A | C | A C | C | A | No |
| 85822 | XXXX | XXXX B A | A | A B | A | A | Not Applicable |
| 85823 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86332 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86333 | XXXX | XXXX C B A | C | A C B | C | A | Not Applicable |
| 85824 | XXXX | XXXX C A | A | A C | A | A | No |
| 85825 | XXXX | XXXX B A | A | A B | A | A | No |
| 85826 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86336 | XXXX | XXXX D A | A | A D | A | A | Not Applicable |
| 86337 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85829 | XXXX | XXXX D A | A | A D | A | A | Not Applicable |
| 86338 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85830 | XXXX | XXXX B A | A | A B | A | A | Not Applicable |
| 85831 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86340 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86341 | XXXX | XXXX B A | B | B A | B | B | Not Applicable |
| 86342 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86343 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86344 | XXXX | XXXX D A | D | A D | D | A | Not Applicable |
| 85835 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86345 | XXXX | XXXX C A | C | A C | C | A | Not Applicable |
| 85836 | XXXX | XXXX D B C A | D | A D B C | D | A | Yes |
| 85837 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85838 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85839 | XXXX | XXXX C A | C | A C | C | A | No |
| 85840 | XXXX | XXXX A | A | A | A | A | Yes |
| 86346 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86347 | XXXX | XXXX B A | A | A B | A | A | Not Applicable |
| 86349 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85842 | XXXX | XXXX C B A | C | B C A | C | B | No |
| 86350 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85843 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85844 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86354 | XXXX | XXXX D B A | A | A D B | A | A | Not Applicable |
| 86357 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85846 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86359 | XXXX | XXXX C A | A | A C | A | A | Not Applicable |
| 86362 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86363 | XXXX | XXXX B A | A | A B | A | A | Not Applicable |
| 86364 | XXXX | XXXX C B A | A | A C B | A | A | Not Applicable |
| 86365 | XXXX | XXXX C A | C | A C | C | A | Not Applicable |
| 86366 | XXXX | XXXX C A | C | A C | C | A | Not Applicable |
| 86368 | XXXX | XXXX A | A | A | A | A | Yes |
| 86369 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86370 | XXXX | XXXX C A | C | A C | C | A | Not Applicable |
| 86371 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85847 | XXXX | XXXX C A | C | A C | C | A | Not Applicable |
| 86372 | XXXX | XXXX B A | A | A B | A | A | Yes |
| 86374 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86375 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86378 | XXXX | XXXX A | A | A | A | A | Yes |
| 86380 | XXXX | XXXX C B A | A | A C B | A | A | Not Applicable |
| 86381 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86382 | XXXX | XXXX B A | A | A B | A | A | Yes |
| 85848 | XXXX | XXXX D A | A | A D | A | A | No |
| 86383 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86384 | XXXX | XXXX B A | A | A B | A | A | Not Applicable |
| 86386 | XXXX | XXXX C B A | A | A C B | A | A | Not Applicable |
| 86387 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86388 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 85849 | XXXX | XXXX C A | A | A C | A | A | Not Applicable |
| 86391 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86392 | XXXX | XXXX D B A | A | A D B | A | A | Not Applicable |
| 86394 | XXXX | XXXX A | A | A | A | A | Yes |
| 86396 | XXXX | XXXX C B A | C | B C A | C | B | Not Applicable |
| 86401 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86403 | XXXX | XXXX A | A | A | A | A | Yes |
| 86404 | XXXX | XXXX C B A | A | A C B | A | A | Yes |
| 86406 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86409 | XXXX | XXXX C A | C | A C | C | A | Not Applicable |
| 86412 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86413 | XXXX | XXXX C B A | C | A C B | C | A | Not Applicable |
| 86414 | XXXX | XXXX C A | A | A C | A | A | No |
| 86415 | XXXX | XXXX B A | A | A B | A | A | Not Applicable |
| 86419 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86422 | XXXX | XXXX D A | A | A D | A | A | Not Applicable |
| 86423 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86425 | XXXX | XXXX A | A | A | A | A | No |
| 86426 | XXXX | XXXX A | A | A | A | A | Yes |
| 86427 | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 86428 | XXXX | XXXX A | A | A | A | A | Yes |
| 86429 | XXXX | XXXX D A | A | A D | A | A | Not Applicable |

---

## Exhibit 99.04

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.04 - Schedule 4**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | MFA 2025-NQM5 |
| **Start - End Dates:** | 11/19/2018 - 10/6/2025 |
| **Deal Loan Count:** | 294 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *294* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 85725 | XXXX | Representative Credit Score for Grading | 747 | 709 |
| 79932 | XXXX | First Rate Change Date | XXXX | XXXX |
| 79932 | XXXX | Original Appraised Value | XXXX | XXXX |
| 79932 | XXXX | Origination Date | XXXX | XXXX |
| 85733 | XXXX | Representative Credit Score for Grading | 784 | 778 |
| 85739 | XXXX | Debt to Income Ratio (Back) | 13.3000 | 19.0436 |
| 85740 | XXXX | Debt to Income Ratio (Back) | 14.3000 | 3.1690 |
| 85741 | XXXX | Original Balance | XXXX | XXXX |
| 86166 | XXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 85750 | XXXX | Debt to Income Ratio (Back) | 20.2000 | 41.0517 |
| 86169 | XXXX | Debt to Income Ratio (Back) | 30.9000 | 0.0000 |
| 86178 | XXXX | Debt to Income Ratio (Back) | 36.1000 | 32.2514 |
| 86178 | XXXX | First Rate Change Date | XXXX | XXXX |
| 86181 | XXXX | Product Type | 30 Yr Fixed Interest Only | 30 Yr Fixed |
| 85781 | XXXX | Representative Credit Score for Grading | 720 | 725 |
| 86193 | XXXX | Representative Credit Score for Grading | 650 | 651 |
| 86239 | XXXX | Representative Credit Score for Grading | 754 | 745 |
| 86244 | XXXX | Debt to Income Ratio (Back) | 48.2000 | 32.9897 |
| 86253 | XXXX | Debt to Income Ratio (Back) | 34.7000 | 25.9714 |
| 86256 | XXXX | Number of Units | 1 | 2 |
| 86277 | XXXX | Debt to Income Ratio (Back) | 32.9000 | 39.3011 |
| 86297 | XXXX | Representative Credit Score for Grading | 679 | 676 |
| 86302 | XXXX | First Rate Change Date | XXXX | XXXX |
| 86314 | XXXX | Debt to Income Ratio (Back) | 28.4000 | 25.0027 |
| 34526 | XXXX | Cash Reserves | 29112.98 | 261597.98 |
| 34526 | XXXX | Debt to Income Ratio (Back) | 24.8900 | 20.6965 |
| 34526 | XXXX | Next Rate Change Date | XXXX | XXXX |
| 34526 | XXXX | Product Type | 5 Year Fixed | 5/1 I/O ARM |
| 34526 | XXXX | Property Type | Detached PUD | SFR |
| 48820 | XXXX | Origination Date | XXXX | XXXX |
| 48820 | XXXX | Total Monthly Income | 9451.25 | 9360.17 |
| 33233 | XXXX | Cash Reserves | 179.47 | 0.00 |
| 33233 | XXXX | Credit Report Date | XXXX | XXXX |
| 33233 | XXXX | Next Rate Change Date | XXXX | XXXX |
| 33233 | XXXX | Origination Date | XXXX | XXXX |
| 36046 | XXXX | Borrower 1 Self Employed Flag | No | Yes |
| 36046 | XXXX | Borrower 1 Total Income | 5065.69 | 4457.69 |
| 36046 | XXXX | Credit Report Date | XXXX | XXXX |
| 36046 | XXXX | Origination Channel | Unknown | Broker |
| 36046 | XXXX | Origination Date | XXXX | XXXX |
| 85812 | XXXX | Debt to Income Ratio (Back) | 49.6000 | 37.0652 |
| 85817 | XXXX | Occupancy Type | Primary | Second Home |
| 85824 | XXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 86338 | XXXX | Combined LTV | 76.60 | 80.00 |
| 86338 | XXXX | Original LTV | 76.60 | 80.00 |
| 86340 | XXXX | Representative Credit Score for Grading | 667 | 674 |
| 86341 | XXXX | Debt to Income Ratio (Back) | 39.0000 | 35.0164 |
| 85837 | XXXX | Debt to Income Ratio (Back) | 41.3000 | 35.5302 |
| 85846 | XXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 86363 | XXXX | Number of Units | 3 | 1 |
| 86368 | XXXX | Number of Units | 2 | 1 |
| 86370 | XXXX | Debt to Income Ratio (Back) | 34.7000 | 42.0490 |
| 86375 | XXXX | Debt to Income Ratio (Back) | 10.8000 | 16.3244 |
| 86392 | XXXX | Debt to Income Ratio (Back) | 36.6000 | 41.3865 |
| 86396 | XXXX | Debt to Income Ratio (Back) | 53.9000 | 48.5956 |
| 86401 | XXXX | Debt to Income Ratio (Back) | 48.9000 | 45.6609 |
| 86422 | XXXX | Debt to Income Ratio (Back) | 45.9000 | 49.0845 |
| 86422 | XXXX | Representative Credit Score for Grading | 742 | 745 |
| 86427 | XXXX | Debt to Income Ratio (Back) | 3.6000 | 49.5433 |

---

©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.04

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.04 - Schedule 5**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MFA 2025-NQM5** |
| **Start - End Dates:** | **11/19/2018 - 10/6/2025** |
| **Deal Loan Count:** | **294** |
| **ATR QM Upload** |  |
| Loans in Report: | 294 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 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** |
| 85723 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1414.88 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1450.00 | No | (No Data) | 1.0248 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Other | (No Data) | (No Data) |
| 85724 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1414.88 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | No | Yes | 1450.00 | No | (No Data) | 1.0248 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85725 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | Permanent Resident Alien | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1414.88 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1450.00 | No | (No Data) | 1.0248 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85726 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 9.9990 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2068.45 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | No | Yes | 2300.00 | No | (No Data) | 1.1119 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 79932 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.9482 | 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) | -2760.71 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 3295.00 | 1.1935 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 84416 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 8.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1806.64 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2600.00 | No | (No Data) | 1.4391 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86153 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | No | Yes | 1 | 9.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1206.15 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1595.00 | No | (No Data) | 1.3223 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Other | (No Data) | (No Data) |
| 86155 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1759.32 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 1.4210 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85727 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.5000 | 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) | -1923.35 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 1.1438 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85728 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd >20% of OPB | (No Data) | Yes | Yes | 1 | 9.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1860.6 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1900.00 | No | (No Data) | 1.0211 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85730 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 9.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1467.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1500.00 | 1.0222 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85731 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.6241 | 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) | -4342.49 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4344.00 | No | (No Data) | 1.0003 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86157 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.9991 | 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) | -12343.46 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 21500.00 | No | (No Data) | 1.7418 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85732 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1429.97 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1700.00 | No | (No Data) | 1.1888 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85733 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1523.85 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1850.00 | No | (No Data) | 1.2140 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85736 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1509.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.3253 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85738 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 7.1251 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3147.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3200.00 | No | (No Data) | 1.0167 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85739 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | Yes | Yes | 1 | 7.2733 | Yes | No | 4.341 | (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 | 19.04 | 0 | 19.04 | 19.04 | 20.08 | (No Data) | (No Data) | (No Data) | 61165.41 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 14 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86160 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.8750 | 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) | -2934.26 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3600.00 | No | (No Data) | 1.2268 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85740 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2499 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 3.17 | 0 | 3.17 | 3.17 | 3.17 | (No Data) | (No Data) | (No Data) | 583765.66 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86161 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.9991 | 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) | -15668.6 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 17600.00 | No | (No Data) | 1.1232 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85741 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1794.73 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1800.00 | No | (No Data) | 1.0029 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85742 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2282.58 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2300.00 | No | (No Data) | 1.0076 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85744 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4233.66 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 9581.00 | No | (No Data) | 2.2630 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85745 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | No | Yes | 1 | 7.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -819.5 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 950.00 | No | (No Data) | 1.1592 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86163 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5314.37 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5700.00 | No | (No Data) | 1.0725 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85747 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1542.69 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1550.00 | No | (No Data) | 1.0047 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85748 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1536.85 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1575.00 | No | (No Data) | 1.0248 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85749 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1536.85 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1550.00 | No | (No Data) | 1.0085 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86165 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.1251 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3372.26 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3400.00 | No | (No Data) | 1.0082 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86166 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.9991 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 36.73 | 0 | 36.73 | 36.73 | 36.73 | (No Data) | (No Data) | (No Data) | 8741.61 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 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) |
| 85750 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 41.05 | 0 | 41.05 | 41.05 | 41.05 | (No Data) | (No Data) | (No Data) | 14688.62 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Other | 7 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 1099 - 24 months;<br> Written VOE - 7 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86167 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4722.59 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5000.00 | No | (No Data) | 1.0587 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86168 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2444.07 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2599.00 | 1.0633 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85752 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.1251 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2747.91 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2750.00 | No | (No Data) | 1.0007 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Other | (No Data) | (No Data) | (No Data) |
| 85753 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2869.52 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4150.00 | No | (No Data) | 1.4462 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86169 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -27787.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85754 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.5000 | 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) | -2287.6 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2350.00 | No | (No Data) | 1.0272 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86170 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of 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 | 53.86 | 0 | 53.86 | 53.86 | 53.86 | (No Data) | (No Data) | (No Data) | 2973.31 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85756 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7217.37 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 7500.00 | No | (No Data) | 1.0391 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85757 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.6250 | 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) | -1624.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1800.00 | No | (No Data) | 1.1079 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86171 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 9.3750 | 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) | -1368.73 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1800.00 | No | (No Data) | 1.3150 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85759 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.7501 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3276.13 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5175.00 | No | (No Data) | 1.5796 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85760 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1988.73 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2000.00 | 1.0056 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 85761 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.5000 | 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) | -4490.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4500.00 | No | (No Data) | 1.0020 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85762 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | 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) | -1520.1 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 1.6446 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86173 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5000 | 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) | -2625.28 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2900.00 | No | (No Data) | 1.1046 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85763 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.9991 | 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) | -4085.71 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86175 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4328.42 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3500.00 | No | (No Data) | 0.8086 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85764 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 10.6072 | No | No | 5.061 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2343.93 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3650.00 | No | (No Data) | 1.5572 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86176 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 12.3750 | 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) | -7639.48 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85767 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2142.67 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 1.4001 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86177 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6698 | No | No | 1.812 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1849.57 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1850.00 | 1.0002 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85769 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 7.6251 | 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) | -8556.13 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 9199.00 | No | (No Data) | 1.0751 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86178 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5711 | Yes | No | 1.961 | (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 | 32.25 | 0 | 32.25 | 32.25 | 32.25 | (No Data) | (No Data) | (No Data) | 63425.29 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85771 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.8200 | No | No | 9.836 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1587.24 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1595.00 | 1.0048 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86180 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2158.14 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4117.00 | No | (No Data) | 1.9076 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86181 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1163 | No | No | 6.218 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -15675.03 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 17000.00 | No | (No Data) | 1.0845 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86182 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.9990 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1779.76 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2400.00 | No | (No Data) | 1.3484 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86183 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.6250 | Yes | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 40.14 | 0 | 40.14 | 40.14 | 40.14 | (No Data) | (No Data) | (No Data) | 25087.62 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) |
| 85774 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.9990 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5707.78 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 6925.00 | 1.2132 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) | Green Card | (No Data) | (No Data) | (No Data) |
| 86184 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5413.15 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5950.00 | No | (No Data) | 1.0991 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86185 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.8947 | No | No | 4.007 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6292.14 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6300.00 | 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) |
| 86186 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 9.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2380.92 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86187 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.5000 | 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) | -2282.33 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2200.00 | 0.9639 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85777 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 47.88 | 0 | 47.88 | 47.88 | 47.88 | (No Data) | (No Data) | (No Data) | 64273.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | 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) |
| 86188 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 50.86 | 0 | 50.86 | 50.86 | 50.86 | (No Data) | (No Data) | (No Data) | 6412.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 12 | Yes | Borrower | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | 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) | 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) | 1099 - 12 months;<br> Award Letter - 12 months;<br> Lease Agreement - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 2 months | 1099 - 12 months;<br> Award Letter - 12 months;<br> Lease Agreement - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85778 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.2500 | Yes | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 13.41 | 0 | 13.41 | 13.41 | 13.41 | (No Data) | (No Data) | (No Data) | 8906.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85779 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2508.19 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3500.00 | No | (No Data) | 1.3954 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85780 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2012.69 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 0.9936 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85781 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 48.66 | 0 | 48.66 | 48.66 | 48.66 | (No Data) | (No Data) | (No Data) | 6074.72 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | FMNA 1005 | 173 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 | 72 | No | (No Data) | No | (No Data) | 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 - 72 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 173 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86189 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% UPB if amt ppd in 12 mos > 20% OPB | (No Data) | Yes | Yes | 1 | 8.3425 | No | No | 13.956 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3880.85 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3500.00 | No | (No Data) | 0.9018 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86190 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | Yes | Yes | 1 | 9.3655 | No | No | 7.029 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2432.91 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2850.00 | No | (No Data) | 1.1714 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86191 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -820.23 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1300.00 | No | (No Data) | 1.5849 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86192 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.5000 | 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) | -1667.74 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 1.7988 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86193 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1750.92 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1700.00 | No | (No Data) | 0.9709 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86194 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.9990 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2002.31 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2300.00 | No | (No Data) | 1.1486 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86195 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3679.03 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3200.00 | No | (No Data) | 0.8697 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85784 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9991 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3999.71 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4050.00 | No | (No Data) | 1.0125 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 85785 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.1251 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8376.61 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 8000.00 | No | (No Data) | 0.9550 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86196 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 10.1250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2281.85 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2706.00 | No | (No Data) | 1.1858 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85786 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.5000 | 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) | -1635 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1700.00 | No | (No Data) | 1.0397 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85787 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5000 | 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) | -2671.13 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2750.00 | No | (No Data) | 1.0295 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86198 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3999.16 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4000.00 | No | (No Data) | 1.0002 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86200 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1619.93 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3050.00 | No | (No Data) | 1.8827 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85788 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPPD if Amt PPD > 20% of OPB | (No Data) | No | Yes | 1 | 7.7501 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5733.98 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86202 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5893.69 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 7600.00 | No | (No Data) | 1.2895 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86203 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.1251 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1607.88 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1800.00 | 1.1194 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 86204 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1540.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1600.00 | No | (No Data) | 1.0388 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85789 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2187.63 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2600.00 | No | (No Data) | 1.1885 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86205 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.3750 | 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) | -3894.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 4900.00 | 1.2582 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 85790 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | 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) | -1897.94 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1900.00 | No | (No Data) | 1.0010 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86206 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3015.43 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2775.00 | No | (No Data) | 0.9202 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Other | (No Data) | (No Data) |
| 85791 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | Yes | Yes | 1 | 8.0683 | Yes | No | 5.284 | (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 | 33.14 | 0 | 33.14 | 33.14 | 33.14 | (No Data) | (No Data) | (No Data) | 45843.63 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 12 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86207 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 8.2267 | No | No | 10.124 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -893.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1500.00 | 1.6784 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86208 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.3750 | Yes | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 32.05 | 0 | 32.05 | 32.05 | 32.05 | (No Data) | (No Data) | (No Data) | 29657.97 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86210 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | Yes | Yes | 1 | 7.4824 | No | No | 6.046 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3692.2 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3700.00 | No | (No Data) | 1.0021 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86212 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9991 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5195.52 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4200.00 | No | (No Data) | 0.8083 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86213 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 8.8750 | Yes | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 26.57 | 0 | 26.57 | 26.57 | 26.57 | (No Data) | (No Data) | (No Data) | 4391.38 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86215 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 10.8750 | 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) | -1950.13 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1950.00 | No | (No Data) | 0.9999 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86216 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3874.58 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5100.00 | No | (No Data) | 1.3162 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86217 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2048.1 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2300.00 | No | (No Data) | 1.1229 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85793 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPPD if Amt PPD > 20% of OPB | (No Data) | No | Yes | 1 | 8.9990 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1859.58 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2150.00 | No | (No Data) | 1.1561 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85794 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 8.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1941.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2400.00 | No | (No Data) | 1.2363 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86218 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | Not Applicable | (No Data) | No | Yes | 1 | 6.9990 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4413.41 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4250.00 | No | (No Data) | 0.9629 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86219 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2603.31 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2250.00 | No | (No Data) | 0.8642 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86220 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 8.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7827.75 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86221 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2439.29 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2600.00 | No | (No Data) | 1.0658 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86222 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1669.86 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2100.00 | No | (No Data) | 1.2575 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86223 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3268.57 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 3325.00 | 1.0172 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85795 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.8751 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5373.78 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 5800.00 | 1.0793 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86224 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1302.84 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1499.00 | No | (No Data) | 1.1505 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86225 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 8.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2416.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2195.00 | No | (No Data) | 0.9083 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86227 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 7.9991 | 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) | -2027.37 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 0.9865 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Other | (No Data) | (No Data) | (No Data) |
| 86228 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.1251 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4022.9 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4000.00 | No | (No Data) | 0.9943 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86229 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 10.9366 | No | No | 5.067 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1581.47 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1900.00 | No | (No Data) | 1.2014 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86231 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.5000 | 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) | -3575.79 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3600.00 | No | (No Data) | 1.0067 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85796 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPPD if Amt PPD > 20% of OPB | (No Data) | No | Yes | 1 | 7.5000 | Yes | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 35.37 | 0 | 35.37 | 35.37 | 35.37 | (No Data) | (No Data) | (No Data) | 17299.67 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | 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;<br> CPA Letter - 12 months | Business Bank Statements - 12 months;<br> CPA Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86232 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.9990 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1721.84 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1800.00 | No | (No Data) | 1.0457 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85798 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.2358 | No | No | 7.155 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4062.86 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86233 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5446.6 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5000.00 | No | (No Data) | 0.9180 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85799 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2824.49 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 1.0621 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86234 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9990 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6230.74 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 7300.00 | No | (No Data) | 1.1716 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85800 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 7.2500 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1813.54 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2050.00 | No | (No Data) | 1.1303 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86235 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7116.21 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 7118.00 | No | (No Data) | 1.0002 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86236 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2116.32 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1850.00 | No | (No Data) | 0.8741 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86238 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 8.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1874.56 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1875.00 | No | (No Data) | 1.0002 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86239 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7951.3 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 9816.00 | No | (No Data) | 1.2345 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86242 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2634.09 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 0.8352 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85801 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4843.4 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 8333.33 | No | (No Data) | 1.7205 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86244 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.3750 | Yes | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 32.99 | 0 | 32.99 | 32.99 | 32.99 | (No Data) | (No Data) | (No Data) | 5488.44 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | 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) | 1099 - 12 months;<br> Award Letter - 1 months | 1099 - 12 months;<br> Award Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86246 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5267.52 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6700.00 | No | (No Data) | 1.2719 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86247 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2561.3 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 1.1712 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86248 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% UPB if amt ppd in 12 mos > 20% OPB | (No Data) | Yes | Yes | 1 | 7.6457 | No | No | 9.058 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3958.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3600.00 | No | (No Data) | 0.9093 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86249 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9660.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 10646.00 | Yes | 10646.00 | 1.1019 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85803 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 11.0138 | No | No | 4.25 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5126.76 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86250 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2% of amt prepd in year 1,2 | (No Data) | No | Yes | 1 | 6.9990 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1963.03 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2100.00 | No | (No Data) | 1.0697 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86251 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2117.78 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 1.1804 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Other | (No Data) | (No Data) |
| 86252 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.0270 | No | No | 4.905 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -980.43 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1273.00 | No | (No Data) | 1.2984 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85804 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6000 | Yes | No | 2.497 | (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 | 42.04 | 0 | 42.04 | 42.04 | 42.04 | (No Data) | (No Data) | (No Data) | 8243.45 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86253 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.4520 | Yes | No | 4.187 | (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 | 25.97 | 0 | 25.97 | 25.97 | 25.97 | (No Data) | (No Data) | (No Data) | 25192.29 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | 1099 - 24 months;<br> Personal Tax Return - 24 months | Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86254 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1778.89 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1930.00 | No | (No Data) | 1.0849 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 86256 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.1251 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4444.35 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5100.00 | No | (No Data) | 1.1475 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85805 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1386.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1500.00 | No | (No Data) | 1.0817 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Other | (No Data) | (No Data) | (No Data) |
| 85806 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4541.97 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4583.33 | No | (No Data) | 1.0091 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86257 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9990 | 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 | 37.53 | 0 | 37.53 | 37.53 | 37.53 | (No Data) | (No Data) | (No Data) | 11864.03 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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) | 30 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 30 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86258 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.4414 | No | No | 8.684 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6334.17 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6950.00 | No | (No Data) | 1.0972 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86259 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 8.9990 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2541.59 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 1.1803 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85807 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1604.79 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 1.3708 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86260 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.1251 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1782.53 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2100.00 | No | (No Data) | 1.1781 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86261 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7103.56 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 10585.00 | No | (No Data) | 1.4900 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86262 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4647.26 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4125.00 | No | (No Data) | 0.8876 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86264 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -913.53 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1450.00 | No | (No Data) | 1.5872 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86267 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2285.55 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2850.00 | No | (No Data) | 1.2469 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86268 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1443.19 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1895.00 | 1.3130 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86269 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2216.01 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2225.00 | No | (No Data) | 1.0040 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86271 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1865.77 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.0719 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86272 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | No | Yes | 1 | 7.9991 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1153.47 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1250.00 | No | (No Data) | 1.0836 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86273 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2156.59 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 1.1592 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86277 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 39.3 | 0 | 39.3 | 39.3 | 39.3 | (No Data) | (No Data) | (No Data) | 23485.95 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86278 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.4753 | No | No | 4.019 | (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 | 45.49 | 0 | 45.49 | 45.49 | 45.49 | (No Data) | (No Data) | (No Data) | 2702.23 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 34 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86280 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2798.26 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2800.00 | No | (No Data) | 1.0006 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86281 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1442 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1700.00 | No | (No Data) | 1.1789 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86282 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% UPB if amt ppd in 12 mos > 20% OPB | (No Data) | Yes | Yes | 1 | 8.9990 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 40.75 | 0 | 40.75 | 40.75 | 40.75 | (No Data) | (No Data) | (No Data) | 34167.59 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 180 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86283 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5437.83 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6000.00 | No | (No Data) | 1.1033 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86284 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.9990 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4291.17 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 4300.00 | 1.0020 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 86288 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.6939 | No | No | 4.595 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2328.61 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2400.00 | No | (No Data) | 1.0306 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86289 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.3750 | 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) | -1779.2 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.1241 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86290 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3581.46 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86291 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 8.6250 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2429.61 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2800.00 | No | (No Data) | 1.1524 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86292 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 8.2500 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4574.38 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4900.00 | No | (No Data) | 1.0711 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86293 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.1250 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 39.12 | 0 | 39.12 | 39.12 | 39.12 | (No Data) | (No Data) | (No Data) | 8777.8 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | 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;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86296 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.9991 | 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 | 2.14 | 0 | 2.14 | 2.14 | 2.14 | (No Data) | (No Data) | (No Data) | 1161734.84 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 252 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86297 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9991 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4951.54 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4500.00 | No | (No Data) | 0.9088 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86300 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.9990 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8579.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 11045.00 | No | (No Data) | 1.2873 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86301 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2472.25 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4660.00 | No | (No Data) | 1.8849 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 86302 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 8.8821 | No | No | 6.339 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3536.72 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 3180.00 | 0.8991 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86303 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2246.4 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2250.00 | No | (No Data) | 1.0015 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86304 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.1250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2626.47 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2800.00 | 1.0661 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 86305 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3055.02 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2900.00 | No | (No Data) | 0.9492 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86306 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% UPB if amt ppd in 12 mos > 20% OPB | (No Data) | Yes | Yes | 1 | 8.5000 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 40.55 | 0 | 40.55 | 40.55 | 40.55 | (No Data) | (No Data) | (No Data) | 17740.55 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 12 | 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;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86307 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2254.28 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2250.00 | 0.9981 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 86308 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5146.6 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5962.00 | No | (No Data) | 1.1584 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86310 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9990 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 30.64 | 0 | 30.64 | 30.64 | 30.64 | (No Data) | (No Data) | (No Data) | 17671.01 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86311 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4726.78 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 10800.00 | No | (No Data) | 2.2848 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86312 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4994.15 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 11000.00 | No | (No Data) | 2.2026 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86313 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 10.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2463.77 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86314 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.3750 | Yes | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 25 | 0 | 25 | 25 | 25 | (No Data) | (No Data) | (No Data) | 31995.33 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 120 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86318 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.3750 | 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) | -2651.43 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4500.00 | No | (No Data) | 1.6971 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86319 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 8.9990 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2715.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86321 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2572 | No | No | 9.426 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1924.9 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2600.00 | No | (No Data) | 1.3507 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86322 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | 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) | -3503.92 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86323 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | Permanent Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1507.96 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1800.00 | No | (No Data) | 1.1936 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86324 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -13124.29 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 14470.00 | No | (No Data) | 1.1025 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 85808 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 24.22 | 0 | 24.22 | 24.22 | 24.22 | (No Data) | (No Data) | (No Data) | 32214.31 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 144 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86327 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 10.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7638.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 6450.00 | 0.8444 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 34526 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXX | Non-Resident Alien | (No Data) | Yes | Second Home | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7501 | Yes | Yes | 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) | 25.54 | 20.7 | 25.54 | 20.7 | 20.7 | 20.49 | (No Data) | (No Data) | (No Data) | 43616.91 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 48820 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4727 | No | No | 2.212 | 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 | 44.48 | 45.18 | 44.48 | 45.18 | 45.18 | 45.18 | Yes | Yes | Yes | 5131.35 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 999 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | (No Data) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | (No Data) | 999 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | 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) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 999 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 2 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 999 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Award Letter - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 33233 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.6866 | Yes | Yes | 2.757 | Not Applicable | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes | (No Data) | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.69 | 36.55 | 36.55 | 38.31 | 36.28 | 36.55 | No | No | (No Data) | 20096.5 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | 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 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 36046 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.4759 | Yes | Yes | 4.374 | 5.000 | No | 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 | 38.92 | 37.33 | 37.33 | 37.33 | 37.33 | 37.33 | No | No | (No Data) | 3174.47 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 1 months;<br> Personal Bank Statements - 12 months | CPA Letter without Income - 1 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85810 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.6530 | No | No | 3.615 | 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 | 50.06 | 48.88 | 50.06 | 48.88 | 48.88 | 48.88 | Yes | Yes | Yes | 2932.48 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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 | 15 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Written VOE - 15 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 85811 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.9728 | No | No | 2.607 | 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 | 43.79 | 43.79 | 43.79 | 43.79 | 43.79 | 43.79 | Yes | Yes | Yes | 3448.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 36 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85812 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0154 | Yes | Yes | 2.135 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.64 | 37.07 | 0 | 37.07 | 37.07 | 37.07 | Yes | Yes | Yes | 17743.02 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 84558 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7395 | Yes | Yes | 1.09 | 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 | 16.7 | 14.89 | 16.7 | 14.89 | 14.89 | 14.89 | Yes | Yes | Yes | 186071.57 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) |
| 84571 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3887 | Yes | Yes | 2.611 | 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 | No | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.03 | 30.3 | 28.03 | 30.3 | 30.3 | 30.3 | Yes | Yes | Yes | 145006.77 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85813 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.6380 | Yes | Yes | 2.597 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.43 | 30.43 | 30.43 | 30.43 | 30.43 | 30.43 | Yes | Yes | Yes | 65620.51 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) |
| 85814 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4420 | No | No | 2.696 | 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 | 48.68 | 48.68 | 48.68 | 48.68 | 48.68 | 48.68 | Yes | Yes | Yes | 4027.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 216 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85815 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.3930 | No | No | 3.635 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.35 | 47.31 | 47.35 | 47.31 | 47.31 | 47.31 | Yes | Yes | Yes | 3880.15 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | Yes | 4 | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months | (No Data) | Paystub - 4 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86328 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 10.9164 | Yes | Yes | 3.773 | 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 | 30.29 | 29.91 | 30.29 | 29.91 | 29.91 | 29.91 | Yes | Yes | Yes | 18313.35 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 120 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 85816 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3106 | No | No | 1.806 | 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 | 46.35 | 48.11 | 0 | 48.11 | 48.11 | 48.11 | Yes | Yes | Yes | 8188.12 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85817 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | No | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1420 | No | No | 1.325 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.73 | 48.12 | 48.73 | 48.12 | 48.12 | 48.12 | Yes | Yes | Yes | 43189.85 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 3 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 - 24 months;<br> P & L - 3 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85818 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6737 | No | No | 2.258 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.22 | 47.26 | 46.22 | 43.54 | 43.54 | 43.54 | Yes | Yes | Yes | 9658.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | 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 | 30 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 | 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) | Verbal VOE with Income - 30 months;<br> W2 - 24 months | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85820 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.1241 | No | No | 3.597 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.36 | 45.95 | 48.36 | 45.95 | 45.95 | 45.95 | Yes | Yes | Yes | 3061.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | 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) | CPA Letter - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85822 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.8964 | Yes | Yes | 3.591 | 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 | 42.94 | 43 | 42.94 | 43 | 43 | 43 | Yes | Yes | Yes | 3772.54 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85823 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6198 | No | Yes | 2.353 | 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 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -2261.02 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86332 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.7791 | No | No | 2.87 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.02 | 46.02 | 46.02 | 46.02 | 46.02 | 46.02 | Yes | Yes | Yes | 9082.31 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Entry stamp | (No Data) | (No Data) | (No Data) |
| 86333 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Mid Rise Condo (5-8) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0875 | Yes | Yes | 2.212 | 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 | 31.39 | 31.39 | 31.39 | 31.39 | 31.39 | 31.39 | Yes | Yes | Yes | 8084.71 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Offer Letter - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85824 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | Non-Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.8019 | Yes | Yes | 4.292 | 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 | 18.13 | 20.46 | 18.13 | 20.46 | 20.46 | 20.46 | Yes | Yes | Yes | 8506.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85825 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.9493 | Yes | Yes | 1.623 | 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 | 36.84 | 37.16 | 36.84 | 37.16 | 37.16 | 37.16 | Yes | Yes | Yes | 12092.74 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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) | 31 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 3 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 31 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85826 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.6580 | No | No | 2.46 | 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 | 45.03 | 44.85 | 45.03 | 44.85 | 44.85 | 44.85 | Yes | Yes | Yes | 11072.35 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 86336 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8224 | No | Yes | 1.51 | 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 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -6650.81 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86337 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5267 | No | No | 2.633 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.32 | 49.16 | 50.32 | 49.16 | 49.16 | 49.16 | Yes | Yes | Yes | 3692.38 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85829 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Manufactured (Dbl) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4400 | No | No | 1.74 | 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 | 46.23 | 46.23 | 46.23 | 46.23 | 46.23 | 46.23 | Yes | Yes | Yes | 7504.12 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 0 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months | Offer Letter - 0 months;<br> Paystub - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86338 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0428 | Yes | Yes | 2.3 | 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 | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.33 | 39.2 | 35.33 | 39.2 | 39.2 | 39.2 | Yes | Yes | Yes | 10495.86 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Business Bank Statements - 12 months;<br> CPA Letter - 143 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85830 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.1647 | No | No | 2.857 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.92 | 48.92 | 48.92 | 48.92 | 48.92 | 48.92 | Yes | Yes | Yes | 4025.8 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Yes | Tax Preparer | 18 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (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) | CPA Letter - 24 months;<br> P & L - 18 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 85831 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1524 | No | No | 1.401 | 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 | 48.79 | 46.44 | 48.79 | 46.44 | 46.44 | 46.44 | Yes | Yes | Yes | 6719.04 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 30 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 72 months | Paystub - 1 months;<br> Verbal VOE with Income - 30 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86340 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3509 | Yes | Yes | 1.136 | 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 | 25.01 | 25.01 | 25.01 | 23.5 | 23.5 | 24.19 | Yes | Yes | Yes | 41415.96 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) |
| 86341 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.7017 | Yes | Yes | 3.326 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.49 | 35.02 | 39.49 | 35.02 | 35.02 | 35.02 | Yes | Yes | Yes | 10131.54 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 35 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 2 months;<br> Verbal VOE with Income - 35 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86342 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.7657 | Yes | Yes | 3.39 | 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 | 10.78 | 10.64 | 10.78 | 10.64 | 10.64 | 10.64 | Yes | Yes | Yes | 42173.06 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86343 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1688 | Yes | Yes | 2.046 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 12.88 | 13.14 | 12.88 | 13.14 | 13.14 | 13.14 | Yes | Yes | Yes | 35053.23 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86344 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7699 | Yes | Yes | 2.696 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.32 | 30.32 | 30.32 | 30.32 | 30.32 | 30.32 | Yes | Yes | Yes | 13906.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 84 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 85835 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7609 | Yes | Yes | 2.311 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.31 | 40.34 | 40.31 | 40.34 | 40.34 | 40.34 | Yes | Yes | Yes | 20054.65 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 36 months;<br> Personal Bank Statements - 13 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86345 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8428 | Yes | Yes | 2.554 | 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 | 34.96 | 34.92 | 34.96 | 34.92 | 34.92 | 34.92 | Yes | Yes | Yes | 11402.85 | Yes | 60 | Yes | Yes | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (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 | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85836 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2380 | Yes | Yes | 1.938 | 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 | 38.55 | 38.24 | 38.55 | 38.24 | 38.24 | 38.24 | Yes | Yes | Yes | 6697.5 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (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) | CPA Letter - 60 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 85837 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.8864 | Yes | Yes | 4.338 | 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 | 41.33 | 35.53 | 41.33 | 35.53 | 35.53 | 35.53 | Yes | Yes | Yes | 3785.79 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85838 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.6997 | Yes | Yes | 1.805 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.53 | 38.41 | 37.53 | 38.41 | 38.41 | 38.41 | Yes | Yes | Yes | 42320.86 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85839 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.4614 | Yes | Yes | 2.345 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.26 | 38.15 | 40.26 | 38.15 | 38.15 | 38.15 | Yes | Yes | Yes | 4315.01 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 36 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85840 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.7526 | Yes | Yes | 3.661 | 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 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 | 8.9 | Yes | Yes | Yes | 43082.5 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86346 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.4914 | No | No | 3.497 | 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 | 44.17 | 43.8 | 44.17 | 43.8 | 43.8 | 43.8 | Yes | Yes | Yes | 9286.43 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86347 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0735 | Yes | Yes | 1.579 | 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 | 37.32 | 37.86 | 37.32 | 37.86 | 37.86 | 37.86 | Yes | Yes | Yes | 6470.24 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 30 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 30 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86349 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.2939 | Yes | Yes | 2.722 | 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 | 35.34 | 35.47 | 35.34 | 35.47 | 35.47 | 35.47 | Yes | Yes | Yes | 15189.79 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 120 | No | (No Data) | Yes | 120 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 120 months | Business Bank Statements - 12 months;<br> CPA Letter without Income - 120 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85842 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.1125 | No | No | 4.341 | 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 | 49.11 | 48.32 | 49.11 | 48.32 | 48.32 | 48.32 | Yes | Yes | Yes | 4846.61 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 18 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (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 | 3 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 3 months;<br> CPA Letter - 60 months;<br> P & L - 18 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 86350 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7664 | Yes | Yes | 0.997 | 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 | 35.39 | 35.29 | 35.39 | 35.29 | 35.29 | 35.29 | Yes | Yes | Yes | 41866.64 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85843 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Manufactured (Dbl) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.0508 | Yes | Yes | 3.593 | 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 | 2.94 | 2.69 | 2.94 | 2.69 | 2.69 | 2.69 | Yes | Yes | Yes | 277659.98 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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 | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter without Income - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85844 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0207 | Yes | Yes | 2.005 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.74 | 36.11 | 36.74 | 36.11 | 36.11 | 36.11 | Yes | Yes | Yes | 25226.25 | Yes | 60 | Yes | Yes | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86354 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.9459 | Yes | Yes | 3.314 | 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 | 32.39 | 33.55 | 32.29 | 33.55 | 33.55 | 33.55 | Yes | Yes | Yes | 3657.06 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 204 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 86357 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.6160 | Yes | Yes | 3.487 | 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 | 37.99 | 37.41 | 37.99 | 37.41 | 37.41 | 37.41 | Yes | Yes | Yes | 11615.6 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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 | 15 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 15 months;<br> CPA Letter - 60 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 85846 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.3179 | Yes | Yes | 3.31 | 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 | 12.8 | 12.8 | 12.8 | 12.8 | 12.8 | 12.8 | Yes | Yes | Yes | 32700.16 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 120 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86359 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.0056 | Yes | Yes | 4.846 | 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 | 35.51 | 35.51 | 35.51 | 35.51 | 35.51 | 35.51 | Yes | Yes | Yes | 4350.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Written VOE - 24 months | Business Bank Statements - 12 months | (No Data) | (No Data) | Other | Other | (No Data) | (No Data) |
| 86362 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.5208 | Yes | Yes | 2.888 | 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 | 3.93 | 3.92 | 3.93 | 3.92 | 3.92 | 3.92 | Yes | Yes | Yes | 312272.13 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86363 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.0449 | Yes | Yes | 2.191 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.99 | 40.4 | 39.99 | 40.4 | 40.4 | 40.4 | Yes | Yes | Yes | 56869.13 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86364 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.8621 | Yes | Yes | 3.367 | 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 | 35.48 | 35.47 | 35.48 | 35.47 | 35.47 | 35.47 | Yes | Yes | Yes | 11144.29 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86365 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.6425 | No | No | 2.372 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.56 | 49.46 | 47.56 | 49.46 | 49.46 | 49.46 | Yes | Yes | Yes | 2259.77 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 | 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) | CPA Letter - 24 months;<br> Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | Work Visa | (No Data) | (No Data) | (No Data) |
| 86366 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | Non-Permanent Resident Alien | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.3266 | Yes | Yes | 4.607 | 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 | 38.03 | 38.02 | 38.03 | 38.02 | 38.02 | 38.02 | Yes | Yes | Yes | 1904.23 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (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 | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 86368 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.6207 | Yes | Yes | 4.355 | 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 | 37.83 | 36.68 | 37.83 | 36.68 | 36.68 | 36.68 | Yes | Yes | Yes | 7142.47 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86369 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.8484 | No | No | 4.968 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.4 | 46.4 | 46.4 | 46.4 | 46.4 | 46.4 | Yes | Yes | Yes | 11847.75 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> CPA Letter - 312 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86370 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6049 | Yes | Yes | 1.012 | 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 | 34.74 | 42.05 | 34.74 | 42.05 | 42.05 | 42.05 | Yes | Yes | Yes | 23187.14 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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) | Other | (No Data) | (No Data) | (No Data) |
| 86371 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Manufactured (Dbl) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 10.1583 | Yes | Yes | 4.918 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.39 | 27.43 | 31.39 | 27.43 | 27.43 | 27.43 | Yes | Yes | Yes | 3126.45 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 28 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | Verbal VOE with Income - 28 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 85847 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5125 | Yes | Yes | 2.527 | 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 | 34.45 | 33.44 | 34.45 | 33.44 | 33.44 | 33.44 | Yes | Yes | Yes | 16929.1 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 84 months | (No Data) | (No Data) | (No Data) | Work Visa | (No Data) | (No Data) | (No Data) |
| 86372 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.9697 | Yes | Yes | 1.954 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.47 | 39.24 | 39.47 | 39.24 | 39.24 | 39.24 | Yes | Yes | Yes | 11167.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86374 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.4427 | Yes | Yes | 3.059 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.16 | 39.88 | 40.16 | 39.88 | 39.88 | 39.88 | Yes | Yes | Yes | 4264.76 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Paystub - 1 months;<br> W2 - 24 months | Award Letter - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86375 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3556 | Yes | Yes | 2.357 | 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 | 10.78 | 16.32 | 10.78 | 16.32 | 16.32 | 16.32 | Yes | Yes | Yes | 30626.33 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 16 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 | 120 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 16 months | Business Bank Statements - 12 months;<br> CPA Letter without Income - 120 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86378 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.0277 | No | No | 4.741 | 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 | 43.76 | 44.35 | 43.76 | 44.35 | 44.35 | 44.35 | Yes | Yes | Yes | 3536.44 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 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) | Yes | FMNA 1005 | 32 | Yes | FMNA 1005 | 30 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 32 months | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 30 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86380 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8816 | No | No | 1.128 | 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 | 48.27 | 50.28 | 48.27 | 50.28 | 50.28 | 50.28 | Yes | Yes | Yes | 16850.46 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 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) | 18 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 18 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86381 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9421 | Yes | Yes | 2.822 | 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 | 38.08 | 38.08 | 38.08 | 38.08 | 38.08 | 38.08 | Yes | Yes | Yes | 4064.95 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 30 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86382 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7475 | Yes | Yes | 2.384 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.39 | 39.45 | 39.39 | 39.45 | 39.45 | 39.45 | Yes | Yes | Yes | 10960.24 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 85848 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.9780 | Yes | Yes | 3.25 | 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 | 35.85 | 35.39 | 35.85 | 35.39 | 35.39 | 35.39 | Yes | Yes | Yes | 5544.04 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) |
| 86383 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.8620 | No | No | 3.816 | 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 | 43.54 | 43.77 | 43.54 | 43.77 | 43.77 | 43.77 | Yes | Yes | Yes | 5623.09 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 96 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86384 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.2645 | Yes | Yes | 3.045 | 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 | 1.13 | 1.13 | 1.13 | 1.13 | 1.13 | 1.13 | Yes | Yes | Yes | 386309.04 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86386 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.7644 | No | No | 3.16 | 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 | 50.18 | 45.56 | 50.18 | 45.56 | 45.56 | 45.56 | Yes | Yes | Yes | 3860.04 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Lender Form | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 86387 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8056 | No | No | 1.919 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.57 | 44.43 | 44.57 | 44.43 | 44.43 | 44.43 | Yes | Yes | Yes | 24629.91 | Yes | 60 | Yes | Yes | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86388 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.2091 | Yes | Yes | 3.275 | 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 | 42.89 | 41.89 | 41.89 | 41.89 | 41.89 | 41.89 | Yes | Yes | Yes | 8197.19 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 168 | No | (No Data) | Yes | 168 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 168 months | Business Bank Statements - 12 months;<br> CPA Letter without Income - 168 months | (No Data) | (No Data) | Other | Employment Authorization Document | (No Data) | (No Data) |
| 85849 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.2991 | No | No | 4.767 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.44 | 46.44 | 46.44 | 46.44 | 46.44 | 46.44 | Yes | Yes | Yes | 4222.76 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 55 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 55 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86391 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.2707 | Yes | Yes | 2.484 | 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 | 27.9 | 27.9 | 27.9 | 27.9 | 27.9 | 27.9 | Yes | Yes | Yes | 59826.01 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 86392 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.3136 | Yes | Yes | 4.018 | 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 | 36.62 | 41.39 | 36.62 | 41.39 | 41.39 | 41.39 | Yes | Yes | Yes | 3761.72 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 7 | Yes | FMNA 1005 | 30 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 7 months | Written VOE - 30 months | (No Data) | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 86394 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7976 | Yes | Yes | 2.703 | 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 | 19.18 | 19.45 | 19.18 | 19.45 | 19.45 | 19.45 | Yes | Yes | Yes | 12317.32 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 31 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 31 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86396 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6741 | No | No | 1.493 | 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 | 53.94 | 54.88 | 53.94 | 48.6 | 48.6 | 54.88 | Yes | Yes | Yes | 22225.32 | Yes | 60 | Yes | Yes | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | Personal Tax Return - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86401 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.5424 | No | No | 3.41 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.89 | 50 | 48.89 | 45.66 | 45.66 | 50 | Yes | Yes | Yes | 6095.88 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 14 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 86403 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7706 | Yes | Yes | 1.25 | 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 | 34.77 | 36.39 | 34.77 | 36.39 | 36.39 | 36.39 | Yes | Yes | Yes | 7761.33 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86404 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.8396 | Yes | Yes | 3.252 | 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 | 13.77 | 13.77 | 13.77 | 13.77 | 13.77 | 13.77 | Yes | Yes | Yes | 24833.63 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 120 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 86406 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.9820 | No | No | 3.033 | 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 | 46.94 | 45.92 | 46.94 | 45.92 | 45.92 | 45.92 | Yes | Yes | Yes | 15506.21 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | 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 Data) | Business Bank Statements - 12 months;<br> CPA Letter with Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86409 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Manufactured (Dbl) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 10.1748 | Yes | Yes | 3.088 | 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 | 29.86 | 29.94 | 29.86 | 29.94 | 29.94 | 29.94 | Yes | Yes | Yes | 20194.48 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | 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) |
| 86412 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.7840 | Yes | Yes | 3.844 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.6 | 33.72 | 33.6 | 33.72 | 33.72 | 33.72 | Yes | Yes | Yes | 15706.78 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 86413 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.5266 | No | No | 2.413 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.44 | 51.01 | 50.44 | 51.01 | 51.01 | 51.01 | Yes | Yes | Yes | 6405.81 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86414 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.9173 | Yes | Yes | 1.119 | 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 | 31.04 | 30.99 | 31.04 | 30.99 | 30.99 | 30.99 | Yes | Yes | Yes | 31746.31 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (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) | 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) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86415 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Manufactured (Dbl) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.5628 | No | Yes | 2.745 | 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 | 42.45 | 43.03 | 42.45 | 43.03 | 43.03 | 43.03 | Yes | Yes | Yes | 6138.24 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86419 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | 4 Family | 4 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5339 | Yes | Yes | 1.844 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.09 | 36.32 | 35.09 | 36.32 | 36.32 | 36.32 | Yes | Yes | Yes | 32663.47 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86422 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6790 | No | No | 0.676 | 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 | 45.92 | 49.08 | 45.92 | 49.08 | 49.08 | 49.08 | Yes | Yes | Yes | 8978.1 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 31 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 31 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86423 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.5173 | Yes | Yes | 4.1 | 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 | 42.52 | 42.52 | 42.52 | 42.52 | 42.52 | 42.52 | Yes | Yes | Yes | 1858.03 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86425 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.2521 | Yes | Yes | 2.551 | 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 | 20.83 | 20.78 | 20.83 | 20.78 | 20.77 | 20.78 | Yes | Yes | Yes | 33274.51 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86426 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | Non-Permanent Resident Alien | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.4355 | Yes | No | 3.472 | 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 | 37.68 | 37.65 | 0 | 37.65 | 37.65 | 37.65 | Yes | Yes | Yes | 5615.3 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Yes | Borrower | 8 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 - 8 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 86427 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXX | Permanent Resident Alien | Permanent Resident Alien | No | Second Home | Manufactured (Dbl) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.0815 | No | Yes | 2.787 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.41 | 49.54 | 39.41 | 49.54 | 49.54 | 49.54 | Yes | Yes | Yes | 5189.37 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 60 months;<br> Personal Bank Statements - 12 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 86428 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.1884 | No | No | 3.136 | Not Applicable | No | 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 | 45.1 | 45.08 | 45.1 | 45.08 | 45.08 | 45.08 | Yes | Yes | Yes | 5674.83 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 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 Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 32 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 86429 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9234 | No | Yes | 2.62 | 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 | 41.68 | 43.35 | 41.68 | 43.35 | 43.35 | 43.35 | Yes | Yes | Yes | 10599.96 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |

---

&nbsp;&nbsp;&nbsp;&nbsp;©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.04

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.04 - Schedule 6**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MFA 2025-NQM5** |
| **Start - End Dates:** | **11/19/2018 - 10/6/2025** |
| **Deal Loan Count:** | **294** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *294* |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 85723 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.625 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 85724 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.625 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 85725 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.625 | Unemployed | Unemployed | Non-Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 85726 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 9.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 79932 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.9482 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 84416 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86153 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 9.375 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 86155 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 85727 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85728 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 9.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 85730 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 9.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85731 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.6241 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86157 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.9991 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 85732 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.875 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85733 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85736 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.625 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85738 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.1251 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 85739 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.2733 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86160 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 85740 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.2499 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86161 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.9991 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85741 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85742 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.625 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85744 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85745 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86163 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85747 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85748 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85749 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86165 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.1251 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 86166 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.9991 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 85750 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.625 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86167 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.1251 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 86168 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.625 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 85752 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.1251 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 85753 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86169 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.75 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85754 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 86170 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.625 | Unemployed | Employed | Non-Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85756 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85757 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86171 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 9.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85759 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85760 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 85761 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 85762 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.7501 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86173 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 85763 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.9991 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86175 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 85764 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 10.6072 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86176 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 12.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 85767 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86177 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.6698 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 85769 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.6251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86178 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.5711 | Unemployed | Employed | Non-Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85771 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.82 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86180 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86181 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.1163 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86182 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86183 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.625 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85774 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.999 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 86184 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86185 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.8947 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86186 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 9.5 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 86187 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | Unemployed | Non-Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85777 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86188 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.75 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85778 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 85779 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.625 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85780 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85781 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86189 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.3425 | Employed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 86190 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 9.3655 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86191 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86192 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86193 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.5 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 86194 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.999 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 86195 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.8751 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 85784 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.9991 | Unemployed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 85785 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.1251 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86196 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 10.125 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 85786 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 85787 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86198 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86200 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 85788 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86202 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.7501 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 86203 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86204 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85789 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86205 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 85790 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86206 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 85791 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.0683 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86207 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.2267 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86208 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86210 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.4824 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86212 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.9991 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 86213 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86215 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 10.875 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 86216 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86217 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.375 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 85793 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85794 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.25 | Unemployed | Unemployed | Non-Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86218 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86219 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.9991 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 86220 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.875 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86221 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86222 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86223 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.75 | Unemployed | Unemployed | Non-Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85795 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86224 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 86225 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.25 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 86227 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.9991 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 86228 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86229 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 10.9366 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86231 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85796 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | Employed | Non-Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86232 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 85798 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.2358 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86233 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.875 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 85799 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86234 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.999 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 85800 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.25 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 86235 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86236 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 9.375 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 86238 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86239 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86242 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.375 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 85801 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86244 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.375 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86246 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.25 | Unemployed | Unemployed | Non-Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86247 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86248 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.6457 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 86249 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85803 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 11.0138 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86250 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.999 | Unemployed | Unemployed | Non-Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86251 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.7501 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 86252 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.027 | Unemployed | Unemployed | Non-Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85804 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.6 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86253 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.452 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86254 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 86256 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85805 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.75 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 85806 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86257 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86258 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.4414 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86259 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85807 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86260 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86261 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86262 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86264 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86267 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.7501 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 86268 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86269 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86271 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86272 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.9991 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86273 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86277 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.625 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86278 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 9.4753 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86280 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.875 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 86281 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86282 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86283 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86284 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86288 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.6939 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86289 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86290 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.625 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86291 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.625 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 86292 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.25 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 86293 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86296 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.9991 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86297 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.9991 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86300 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86301 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.999 | Unemployed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 86302 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.8821 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86303 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.625 | Unemployed | Employed | Non-Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 86304 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86305 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.875 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86306 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.5 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86307 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.625 | Employed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 86308 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86310 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.999 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86311 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86312 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86313 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 10.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86314 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86318 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 9.375 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 86319 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 8.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86321 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.2572 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 86322 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86323 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.375 | Unemployed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 86324 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.5 | Unemployed | Unemployed | Non-Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 |
| 85808 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.7501 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 86327 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 10.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 34526 | ATR/QM: Exempt | No | XXXX | XXXX | No | No | 0 | XXXX | 7.7501 | Employed | (No Data) | Non-Resident Alien | (No Data) | Yes | (No Data) | 0 |
| 48820 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 9695 | XXXX | 6.4727 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 2071.61 |
| 33233 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 13582.5 | XXXX | 7.6866 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 36046 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 7078.05 | XXXX | 6.4759 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 85810 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 9400 | XXXX | 8.653 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 2932.48 |
| 85811 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 5674.38 | XXXX | 9.9728 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3448.7 |
| 85812 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 30190 | XXXX | 7.0154 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 17743.02 |
| 84558 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 39150 | XXXX | 7.7395 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 186071.57 |
| 84571 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 101775 | XXXX | 7.3887 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 145006.77 |
| 85813 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 50175 | XXXX | 7.638 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 65620.51 |
| 85814 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 7570 | XXXX | 7.442 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 4027.39 |
| 85815 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 14145 | XXXX | 7.393 | Retired | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 3880.15 |
| 86328 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 6481.31 | XXXX | 10.9164 | Employed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Yes | 18313.35 |
| 85816 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 14115 | XXXX | 7.3106 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 8188.12 |
| 85817 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 33000 | XXXX | 7.142 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | Yes | 43189.85 |
| 85818 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 19745 | XXXX | 7.6737 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 9658.39 |
| 85820 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 7896.25 | XXXX | 9.1241 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3061.22 |
| 85822 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 8652.5 | XXXX | 7.8964 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3802.44 |
| 85823 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 5300 | XXXX | 7.6198 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 86332 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 15592.5 | XXXX | 8.7791 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 9082.31 |
| 86333 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 8750 | XXXX | 7.0875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 8084.71 |
| 85824 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 5429.5 | XXXX | 7.8019 | Employed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | Yes | 8506.99 |
| 85825 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 8125 | XXXX | 9.9493 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 12092.74 |
| 85826 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 17110 | XXXX | 8.658 | Employed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Yes | 11072.35 |
| 86336 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 10025 | XXXX | 6.8224 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 86337 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 5040 | XXXX | 7.5267 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 3692.38 |
| 85829 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 6659 | XXXX | 7.44 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 7504.12 |
| 86338 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 14340 | XXXX | 7.0428 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 10495.86 |
| 85830 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 9293.13 | XXXX | 9.1647 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 4025.8 |
| 85831 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 7310 | XXXX | 7.1524 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 6719.04 |
| 86340 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 11750 | XXXX | 7.3509 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 41415.96 |
| 86341 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 20010 | XXXX | 7.7017 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 8831.54 |
| 86342 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 14012.5 | XXXX | 8.7657 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 42173.06 |
| 86343 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 12709.38 | XXXX | 7.1688 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 35053.23 |
| 86344 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 14985 | XXXX | 6.7699 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 13906.39 |
| 85835 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 16210 | XXXX | 7.7609 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 20054.65 |
| 86345 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 18287.5 | XXXX | 6.8428 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 11402.85 |
| 85836 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 8700 | XXXX | 7.238 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 6697.5 |
| 85837 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 5565.5 | XXXX | 7.8864 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3785.79 |
| 85838 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 31713.98 | XXXX | 7.6997 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 42320.86 |
| 85839 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 6101.94 | XXXX | 8.4614 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 4315.01 |
| 85840 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 11224.49 | XXXX | 7.7526 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 43082.5 |
| 86346 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 7000 | XXXX | 9.4914 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 9286.43 |
| 86347 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 6475 | XXXX | 7.0735 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6470.24 |
| 86349 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 19582 | XXXX | 8.2939 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 7594.9 |
| 85842 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 18730 | XXXX | 8.1125 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 4846.61 |
| 86350 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 7450 | XXXX | 6.7664 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 41866.64 |
| 85843 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 8645 | XXXX | 9.0508 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 277659.98 |
| 85844 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 24375 | XXXX | 7.0207 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 25226.25 |
| 86354 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 6070 | XXXX | 7.9459 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | 3684.07 |
| 86357 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 16448.51 | XXXX | 7.616 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 11615.6 |
| 85846 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 15862.5 | XXXX | 7.3179 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 32700.16 |
| 86359 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 7353.5 | XXXX | 8.0056 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Yes | 4350.05 |
| 86362 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 19773.13 | XXXX | 8.5208 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 312272.13 |
| 86363 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 39590 | XXXX | 8.0449 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 56869.13 |
| 86364 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 11684.38 | XXXX | 7.8621 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 11144.29 |
| 86365 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 2419.25 | XXXX | 9.6425 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 2259.77 |
| 86366 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 5650 | XXXX | 8.3266 | Employed | Employed | Non-Permanent Resident Alien | U.S. Citizen | (No Data) | Yes | 1904.23 |
| 86368 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 6550 | XXXX | 8.6207 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 7142.47 |
| 86369 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 11765 | XXXX | 6.8484 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 11847.75 |
| 86370 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 11011.83 | XXXX | 6.6049 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | 23187.14 |
| 86371 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 4990 | XXXX | 10.1583 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 3126.45 |
| 85847 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 21950 | XXXX | 7.5125 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 16929.1 |
| 86372 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 6967.5 | XXXX | 8.9697 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 11167.99 |
| 86374 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 6255 | XXXX | 7.4427 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 4264.76 |
| 86375 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 8999.69 | XXXX | 7.3556 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 30626.33 |
| 86378 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 13390 | XXXX | 7.0277 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 3536.44 |
| 86380 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 17710 | XXXX | 6.8816 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 16850.46 |
| 86381 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 6610 | XXXX | 6.9421 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 4064.95 |
| 86382 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 17645 | XXXX | 7.7475 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 10960.24 |
| 85848 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 10045 | XXXX | 7.978 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 5544.04 |
| 86383 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 11382.5 | XXXX | 8.862 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 5623.09 |
| 86384 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 9005 | XXXX | 9.2645 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 386309.04 |
| 86386 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 8877.75 | XXXX | 8.7644 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 3860.04 |
| 86387 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 21984.38 | XXXX | 6.8056 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 24629.91 |
| 86388 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 13685 | XXXX | 7.2091 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Yes | 8197.19 |
| 85849 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 15190 | XXXX | 8.2991 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 4222.76 |
| 86391 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 26902.63 | XXXX | 8.2707 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 59826.01 |
| 86392 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 9998.5 | XXXX | 9.3136 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Yes | 3761.72 |
| 86394 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 7450 | XXXX | 6.7976 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 12317.32 |
| 86396 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 30676.25 | XXXX | 6.6741 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 22225.32 |
| 86401 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 20470 | XXXX | 7.5424 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | 6095.88 |
| 86403 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 6145 | XXXX | 6.7706 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 7761.33 |
| 86404 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 14389 | XXXX | 7.8396 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | 24833.63 |
| 86406 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 28975 | XXXX | 9.982 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 15506.21 |
| 86409 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 10000 | XXXX | 10.1748 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 20194.48 |
| 86412 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 29032.5 | XXXX | 7.784 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | Yes | 15706.78 |
| 86413 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 12025 | XXXX | 8.5266 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6405.81 |
| 86414 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 17500 | XXXX | 7.9173 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 31746.31 |
| 86415 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 7050 | XXXX | 8.5628 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 6138.24 |
| 86419 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 31818.98 | XXXX | 7.5339 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 32663.47 |
| 86422 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 6880 | XXXX | 6.679 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 8978.1 |
| 86423 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 4989.72 | XXXX | 8.5173 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 1858.03 |
| 86425 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 16600 | XXXX | 8.2521 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 33274.51 |
| 86426 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 7072.5 | XXXX | 8.4355 | Employed | Unemployed | Non-Permanent Resident Alien | U.S. Citizen | (No Data) | Yes | 5615.3 |
| 86427 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 6750 | XXXX | 9.0815 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | No | Yes | 2594.68 |
| 86428 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 17200 | XXXX | 7.1884 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 5674.83 |
| 86429 | Non-QM: Lender documented all ATR UW factors | No | XXXX | XXXX | No | No | 11204 | XXXX | 6.9234 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 10599.83 |

---

&nbsp;&nbsp;&nbsp;&nbsp;©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.04

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.04 - Schedule 7**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | MFA 2025-NQM5 |
| **Start - End Dates:** | 11/19/2018 - 10/6/2025 |
| **Deal Loan Count:** | 294 |
| **Valuations Summary** |  |
| *Loans in Report:* | *294* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance %** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU / LCA Score** |
| 85723 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85725 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85726 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 79932 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 84416 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86153 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004C Manuf (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXX | XXXX | XXXX | -14.55% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86155 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85727 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 85728 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 85730 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.61% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85731 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 86157 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -16.67% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85732 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 85733 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 85736 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85738 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 85739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86160 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85740 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86161 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) | XXXX |  | XXXX | XXXX | XXXX | 0.00% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85741 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 85742 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 85744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 85745 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86163 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 85747 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85748 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86165 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86166 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 85750 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86167 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 86168 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 85752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004C Manuf (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86169 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 85754 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004C Manuf (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86170 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85756 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85757 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 86171 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004C Manuf (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85759 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -9.78% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 85760 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 85761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 85762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004C Manuf (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86173 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86175 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 85764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86176 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 85767 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004C Manuf (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86177 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 85769 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86178 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -6.85% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 85771 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86180 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 86181 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  | XXXX | XXXX | XXXX | 5.00% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 86182 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86183 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85774 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 86184 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 86185 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -4.52% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86186 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86187 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 85777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86188 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85778 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004C Manuf (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85779 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -6.25% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85780 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 85781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86189 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86190 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86191 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 86192 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86193 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86194 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86195 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 85784 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86196 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 85786 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86198 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86200 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 85788 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86202 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 86203 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 3.45% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86204 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004C Manuf (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85789 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86205 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 85790 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86206 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 85791 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86207 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -8.09% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 86208 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86210 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  | XXXX | XXXX | XXXX | 0.16% | XXXX | 0.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86212 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 86213 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -4.67% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86215 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86216 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86217 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 85793 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85794 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86218 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86219 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86220 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86221 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86222 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004C Manuf (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86223 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) | XXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86224 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86225 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86227 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86228 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 86229 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86231 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 85796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -11.97% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86232 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85798 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 86233 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 85799 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -1.04% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86234 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 85800 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86235 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 86236 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86238 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86239 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86242 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 85801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86244 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 86246 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86247 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86248 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86249 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 85803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86250 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86251 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86252 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 85804 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86253 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86254 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86256 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85805 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 85806 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 86257 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86258 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86259 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 85807 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86260 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86261 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86262 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86264 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004C Manuf (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86267 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86268 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86269 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86271 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86272 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 86273 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86277 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 86278 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86280 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86281 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 86282 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86283 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -0.58% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86284 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86288 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 86289 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86290 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86291 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86292 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 86293 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86296 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004C Manuf (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86297 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86300 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -1.41% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86301 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 86302 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 86303 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86304 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86305 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86306 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 86307 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86308 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86310 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86311 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86312 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -6.25% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86313 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -3.11% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86314 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86318 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86319 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -0.56% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86321 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86322 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86323 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86324 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 85808 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86327 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 34526 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  | XXXX | XXXX | XXXX | 6.47% | XXXX | 11.000 | 89.00 | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 48820 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 33233 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  | XXXX | XXXX | XXXX | -1.88% | XXXX | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 36046 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  | XXXX | XXXX | XXXX | -0.22% | XXXX | 30.000 | 70.00 | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85810 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 85811 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 85812 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 84558 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  | XXXX | XXXX | XXXX | 19.64% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 84571 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  | XXXX | XXXX | XXXX | 13.00% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85813 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  | XXXX | XXXX | XXXX | 1.82% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85814 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 85815 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86328 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 85816 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 85817 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  | XXXX | XXXX | XXXX | 1.65% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 1.65% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85818 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 85820 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 85822 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 85823 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86332 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 86333 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -6.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85824 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 85825 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85826 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86336 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86337 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 85829 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004C Manuf (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86338 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 85830 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 85831 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86340 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86341 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 86342 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86343 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86344 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 85835 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86345 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 85836 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 85837 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85838 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85839 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 85840 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86346 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86347 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86349 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 85842 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86350 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 85843 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004C Manuf (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85844 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -1.54% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86354 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86357 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 85846 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 86359 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86362 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 86363 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  | XXXX | XXXX | XXXX | 8.45% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86364 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86365 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 86366 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 86368 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 86369 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86370 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -0.36% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86371 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004C Manuf (Mar 05) | XXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85847 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86372 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86374 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86375 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86378 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 86380 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86381 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86382 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 85848 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86383 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 86384 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86386 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86387 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86388 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 85849 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86391 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 86392 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 86394 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 86396 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  | XXXX | XXXX | XXXX | 0.74% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86401 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86403 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.65% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86404 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 86406 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86409 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004C Manuf (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86412 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Condo (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86413 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86414 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 86415 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004C Manuf (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86419 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Multi-Fam (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86422 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 86423 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 86425 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 86426 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | -1.38% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86427 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004C Manuf (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |
| 86428 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 86429 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 SFR (Mar 05) | XXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXX | XXXX | XXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |

---

## Exhibit 99.04

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.04 - Schedule 8**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MFA 2025-NQM5** |
| **Start - End Dates:** | **11/19/2018 - 10/6/2025** |
| **Deal Loan Count:** | **294** |
| **Waived Conditions Summary** | **Waived Conditions Summary** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Terms/Guidelines | CRDTER111 | Ownership seasoning does not meet minimum per guidelines | 1 |
| Credit | Terms/Guidelines | CRDTER113 | Loan amount is below guideline minimum | 1 |
| Credit | Terms/Guidelines | CRDTER3122 | Loan documents do not meet guideline requirements | 1 |
| Credit | Terms/Guidelines | CRDTER4631 | Loan parameters do not meet guidelines | 9 |
| Credit | Terms/Guidelines | CRDTER4643 | Borrower does not meet guideline requirements | 3 |
| Credit | Credit/Mtg History | CRDCRMH104 | Credit score below guidelines | 3 |
| Credit | Credit/Mtg History | CRDCRMH118 | Mortgage/rental lates exceed guidelines | 1 |
| Credit | Credit/Mtg History | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | 5 |
| Credit | Credit/Mtg History | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | 5 |
| Credit | Credit/Mtg History | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | 4 |
| Credit | DTI | CRDDTI105 | Debt Ratio Exception 5% or Less | 3 |
| Credit | DTI | CRDDTI187 | Debt Ratio > 50% | 3 |
| Credit | LTV/CLTV | CRDLTV201 | LTV > 90% | 1 |
| Credit | LTV/CLTV | CRDLTV203 | CLTV > 100% | 1 |
| Credit | LTV/CLTV | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | 12 |
| Credit | LTV/CLTV | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | 4 |
| Credit | LTV/CLTV | CRDLTV3034 | CLTV Exceeds Guideline Requirement by at least 5%, but less than 10% | 1 |
| Credit | LTV/CLTV | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | 5 |
| Credit | Income/Employment | CRDINC150 | Income docs do not meet guidelines | 1 |
| Credit | Income/Employment | CRDINC2408 | Income verification does not meet guidelines | 2 |
| Credit | Income/Employment | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | 1 |
| Credit | Insurance | CRDINSR3792 | Insurance policy missing Rent Loss/Business Interruption coverage | 1 |
| Credit | Assets | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | 3 |
| Property Valuations | Property | PRVAPROP177 | Property Issues Indicated | 2 |
| Property Valuations | Property | PRVAPROP241 | Property Type unacceptable under guidelines | 1 |
| Compliance | TILA/RESPA Integrated Disclosure | CMPTRID3492 | TRID - Waiver of TRID waiting period in file | 1 |
| Compliance | Documentation | CMPDOC5556 | Note P&I doesn't equal Clayton's calculated P&I; payment schedule inaccuracy | 1 |
| **Total** |  |  |  | **76** |

---

©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.05

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.05**

![](ex9905001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**

Executive Summary

MFA 2025-NQM5

November 19, 2025

**290 S. Preston Road \| Suite 370 \| Prosper, TX 75078**<br> **P: 888.892.1843** **\| evolvemortgageservices.com**<br>

![](ex9905002.jpg)

Forward Thinking. Seamless Solutions.

**EXECUTIVE SUMMARY**

**Overview** 

Evolve Mortgage Services, LLC ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by MFA Financial, Inc. (together with its affiliates the "Client"). The Review was conducted via files imaged and provided by the lender or its designee for review. The Review results were conveyed to the Client via a Reliance Letter.

**Sample size of the assets reviewed.** 

The final population of the Review covered 66 Loans, including 31 residential and 35 business purpose loans, totaling an aggregate original principal balance of approximately $27,273,267.00. Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

**Determination of the sample size and computation.** 

The Review was conducted consistent with the criteria for Fitch Ratings, Inc. (Fitch), the NRSRO identified in Item 3 of the ABS Due Diligence-15E.

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

Evolve compared data provided by the Client and uploaded to the underwriting system to the data found in the Loan file as captured during the Review. The data integrity review was completed versus data as provided at the time of initial diligence or subsequently updated. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available and applicable, included the following data fields:

---

| | | |
|:---|:---|:---|
| Amortization Type | Maturity Date | Property City |
| Appraised Value | Note Date | Property State |
| Doc Type | Occupancy | Property Street Address |
| DSCR | Original CLTV | Property Type |
| First Payment Date | Original Interest Rate | Property Zip |
| Index Type | Original Loan Amount | QM Status |
| Interest Only | Original LTV | Qualifying Credit Score |
| Lien Position | Original P&I | Qualifying DTI |
| Loan Purpose | Original Term | Sales Price |
| Margin | Prepayment Penalty | Self-Employment Flag |

---

.

---

| | |
|:---|:---|
| ![](ex9905003.jpg) 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| p a g e |

---

![](ex9905002.jpg)

Forward Thinking. Seamless Solutions.

**<u>Document Review</u>**

For each Loan, Evolve 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, G) note, (k) certificate of business purpose / non-owner occupancy, (1) articles of incorporation, if applicable, (m) operating agreement, (n) background check and (o) leases.

**<u>Credit Review</u>**

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

*Credit Application*

For the Credit Application, Evolve 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*

Evolve will verify (a) a credit report is present for each borrower/ guarantor, (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.

*Borrowing Entity*

Evolve will verify the borrowing entity, if not an individual, is properly documented. In addition, Evolve will verify if the business entity is a US or foreign entity and if the individual

---

| | |
|:---|:---|
| ![](ex9905003.jpg) 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| p a g e |

---

![](ex9905002.jpg)

Forward Thinking. Seamless Solutions.

signing the loan documentation has the appropriate authority. Distinction will be made between guarantors and principals, individuals and business entities.

*Property Income*

Evolve 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*

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

Other aspects of Evolve'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

---

| | |
|:---|:---|
| ![](ex9905003.jpg) 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| p a g e |

---

![](ex9905002.jpg)

Forward Thinking. Seamless Solutions.

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*

Evolve will assess whether the asset documentation required by the guidelines is present in the file. Evolve 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*

Evolve 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*

Evolve will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower, and review the title commitment. Evolve will also review, as applicable, confirm that the final title policy, endorsements, lien position, type of ownership, and property tax review conform to the guidelines provided by Client.

*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, Evolve 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.

---

| | |
|:---|:---|
| ![](ex9905003.jpg) 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| p a g e |

---

![](ex9905002.jpg)

Forward Thinking. Seamless Solutions.

**<u>Limited Non-Owner Occupancy Certification Review</u>**

Evolve will review documentation present in the file to support the borrower claim that the property will be non-owner occupied.

Review procedures include:

● Appraisal reports are reviewed in order to determine property type is consistent with underwritten type, as well as evaluated for evidence/indication of either owner or tenant occupancy.

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

● Certification of Non-Owner Occupancy and Indemnity is reviewed for presence of a completed Primary Residence address, verified that that the handwritten Primary Residence address differs from the subject property address, and is signed/dated as required.

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

● Review additional items for confirmation of non-owner occupancy possibly including:

o That the credit report address is different than the subject property

o There is a lease in place if the loan is a refinance

o There is landlord insurance on the property

**<u>Debt Service Coverage Ratio (DSCR)</u>**

● Calculate DSCR as required by the guidelines

**<u>Data Collection</u>**

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

---

| | |
|:---|:---|
| ![](ex9905003.jpg) 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 5 \| p a g e |

---

![](ex9905002.jpg)

Forward Thinking. Seamless Solutions.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary** 

---

| | | |
|:---|:---|:---|
| **NRSRO Grade** | **Fitch** | **Fitch** |
| **NRSRO Grade** | **# Loans** | **% of Loans** |
| A | 31 | 46.97% |
| B | - | 0.00% |
| C | - | 0.00% |
| D | - | 0.00% |
| N/A | 35 | 53.03% |
| **Total** | **66** | **100.00%** |

---

**Credit Results Summary** 

---

| | | |
|:---|:---|:---|
| **NRSRO Grade** | **Fitch** | **Fitch** |
| **NRSRO Grade** | **# Loans** | **% of Loans** |
| A | 57 | 86.36% |
| B | 9 | 13.64% |
| C | - | 0.00% |
| D | - | 0.00% |
| N/A | - | 0.00% |
| **Total** | **66** | **100.00%** |

---

**Property Valuation Results Summary** 

---

| | | |
|:---|:---|:---|
| **NRSRO Grade** | **Fitch** | **Fitch** |
| **NRSRO Grade** | **# Loans** | **% of Loans** |
| A | 65 | 98.48% |
| B | 1 | 1.52% |
| C | - | 0.00% |
| D | - | 0.00% |
| N/A | - | 0.00% |
| **Total** | **66** | **100.00%** |

---

---

| | |
|:---|:---|
| ![](ex9905003.jpg) 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 6 \| p a g e |

---

Forward Thinking. Seamless Solutions.

**Overall Results Summary** 

---

| | | |
|:---|:---|:---|
| **NRSRO Grade** | **Fitch** | **Fitch** |
| **NRSRO Grade** | **# Loans** | **% of Loans** |
| A | 57 | 86.36% |
| B | 9 | 13.64% |
| C | - | 0.00% |
| D | - | 0.00% |
| N/A | - | 0.00% |
| **Total** | **66** | **100.00%** |

---

**Data Results Summary** 

---

| | | | |
|:---|:---|:---|:---|
| **Field Label** | **# Loans with Discrepancy** | **Total Time Compared** | **% Variance** |
| Amortization Type | 39 | 66 | 59.09% |
| Appraised Value | 6 | 66 | 9.09% |
| DSCR | 17 | 66 | 25.76% |
| Doc Type | 39 | 66 | 59.09% |
| First Payment Date | 39 | 66 | 59.09% |
| Interest Only | 1 | 66 | 1.52% |
| Loan Purpose | 6 | 66 | 9.09% |
| Maturity Date | 42 | 66 | 63.64% |
| Note Date | 38 | 66 | 57.58% |
| Occupancy | 15 | 66 | 22.73% |
| Original Amortization Term | 8 | 66 | 12.12% |
| Original CLTV | 5 | 66 | 7.58% |
| Original Interest Rate | 6 | 66 | 9.09% |
| Original LTV | 6 | 66 | 9.09% |
| Original Loan Amount | 3 | 66 | 4.55% |
| Original P&I | 35 | 66 | 53.03% |
| PITI | 54 | 66 | 81.82% |
| Prepayment Penalty | 21 | 66 | 31.82% |
| Prepayment Penalty Type | 11 | 66 | 16.67% |
| Product Code | 33 | 66 | 50.00% |
| Property City | 1 | 66 | 1.52% |
| Property Street Address | 1 | 66 | 1.52% |
| Property Type | 25 | 66 | 37.88% |
| Property Zip | 2 | 66 | 3.03% |
| QM Status | 50 | 66 | 75.76% |
| Qualifying Credit Score | 7 | 66 | 10.61% |
| Qualifying DTI | 34 | 66 | 51.52% |
| Sales Price | 37 | 66 | 56.06% |
| Self-Employment Flag | 11 | 66 | 16.67% |

---

---

| | |
|:---|:---|
| ![](ex9905003.jpg) 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 7 \| p a g e |

---

![](ex9905002.jpg)

Forward Thinking. Seamless Solutions.

**APPENDIX A**

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

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

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

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

---

| | |
|:---|:---|
| ![](ex9905003.jpg) 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 8 \| p a g e |

---

![](ex9905002.jpg)

Forward Thinking. Seamless Solutions.

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014</u>**

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

---

| | |
|:---|:---|
| ![](ex9905003.jpg) 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 9 \| p a g e |

---

![](ex9905002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and <br> viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

---

| | |
|:---|:---|
| ![](ex9905003.jpg) 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 10 \| p a g e |

---

![](ex9905002.jpg)

Forward Thinking. Seamless Solutions.

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

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

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review** 

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

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

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

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

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

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

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

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

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

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014</u>**

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

**(VII) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>With respect to brokered loans, the Prohibitions and Restrictions related to Loan</u> 

---

| | |
|:---|:---|
| ![](ex9905003.jpg) 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 11 \| p a g e |

---

![](ex9905002.jpg)

Forward Thinking. Seamless Solutions.

<u>Originator Compensation and Steering (§1026.36):</u>

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

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

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

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

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

 i) determine if the creditor obtained proof of homeownership counseling in connection with a loan to a first time homebuyer that contains a negative amortization feature; <br> c) <u>Mandatory Arbitration Clauses (§1026.36):</u> <br>

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm that the
 creditor provided the borrower a list of homeownership counseling organizations within three (3) business days of application;
 and

ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

---

| | |
|:---|:---|
| ![](ex9905003.jpg) 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 12 \| p a g e |

---

![](ex9905002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

For each QM designated loan that satisfied the applicable requirements enumerated above, Evolve then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

---

| | |
|:---|:---|
| ![](ex9905003.jpg) 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 13 \| p a g e |

---

![](ex9905002.jpg)

Forward Thinking. Seamless Solutions.

The Review also includes determining, as applicable, whether a loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

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

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

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

*Note*: for loans designated as QM – agency eligible, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

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

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

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

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

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

---

| | |
|:---|:---|
| ![](ex9905003.jpg) 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 14 \| p a g e |

---

![](ex9905002.jpg)

Forward Thinking. Seamless Solutions.

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

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review** 

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

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>**

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, Evolve implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association (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. Evolve worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While Evolve continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. Evolve has worked closely with the NRSROs and Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per Evolve's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that Evolve has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by Evolve will result in the potential level of risk indicated by an Event Level or NRSRO grade.

Please be further advised that Evolve does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by

---

| | |
|:---|:---|
| ![](ex9905003.jpg) 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 15 \| p a g e |

---

![](ex9905002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any
 written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

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

vii) confirm the presence and timely provision of a settlement service provider list

---

| | |
|:---|:---|
| ![](ex9905003.jpg) 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 16 \| p a g e |

---

![](ex9905002.jpg)

Forward Thinking. Seamless Solutions.

(when consumer is given the opportunity to shop for services);

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

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

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

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

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

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

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

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

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

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

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

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

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

---

| | |
|:---|:---|
| ![](ex9905003.jpg) 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 17 \| p a g e |

---

![](ex9905002.jpg)

Forward Thinking. Seamless Solutions.

**(XIII) Document Review** 

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

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

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

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

---

| | |
|:---|:---|
| ![](ex9905003.jpg) 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 18 \| p a g e |

---

## Exhibit 99.05

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.05 - Schedule 1**

![](evolve-logo.jpg)

---

| |
|:---|
| **Rating Agency Grades** |
| **Run Date - 11/19/2025 2:51:55 PM** |

---

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 1670790 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1672149 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1670209 | XXXX | XXXX | XXXX A | A | A | A | A | A C | A | A | A | A | A |
| 1673976 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1674272 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1671237 | XXXX | XXXX | XXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1671236 | XXXX | XXXX | XXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1673878 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1675228 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1672137 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1670347 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1670274 | XXXX | XXXX | XXXX A | D | D | D | D | D A | A | A | A | A | A |
| 1669197 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1673524 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1669202 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1670680 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1670234 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1672028 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1670325 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1670393 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1673566 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1669442 | XXXX | XXXX | XXXX C | D | D | D | D | D A | A | A | A | A | A |
| 1673800 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1674110 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1641690 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1671244 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1675328 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1672285 | XXXX | XXXX | XXXX A | A | A | A | A | A C | A | A | A | A | A |
| 1671962 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1672155 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1673974 | XXXX | XXXX | XXXX A | A | A | A | A | A C | A | A | A | A | A |
| 1670233 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1669084 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1668650 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1673521 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1669093 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1670596 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1672032 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1671463 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1670794 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1671488 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1670329 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1671311 | XXXX | XXXX | XXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1671641 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1673520 | XXXX | XXXX | XXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1674973 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1674641 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1639427 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1670336 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1672321 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1670349 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1670348 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1671417 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1672138 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1675004 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1670344 | XXXX | XXXX | XXXX A | A | A | A | A | A C | A | A | A | A | A |
| 1669066 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1643208 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1671303 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1673576 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1669267 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1669881 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1670783 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1672294 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1672293 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1672324 | XXXX | XXXX | XXXX C | C | C | C | C | C A | A | A | A | A | A |

---

## Exhibit 99.05

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.05 - Schedule 2**

![](evolve-logo.jpg)

---

| |
|:---|
| **Exception Detail** |
| **Run Date - 11/19/2025 2:51:55 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 1639427 | XXXX | XXXX | 7142812 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Guidelines require a full appraisal to be completed for the subject loan transaction. XX XXXX was utilized for value. |  | Exception approved with XXXX factors of XXXX months reserves and XXXX over XXXX |  |  |  | 06/03/2025 B | 2 | XXXX | GA | 3 | 13 C B | N/A | N/A C B |  | Exempt | 1 |
| 1639427 | XXXX | XXXX | 7140789 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines limit XXXX XXXX XXXX cash out XXXX to XXXX XXXX is XXXX with lowest value of XXXX from XXXX XXXX is XXXX with appraisal value of XXXX and the variance is XXXX |  | Senior management approved an XXXX of XXXX with the drive-by appraisal value of XXXX XXXX factors of XXXX months reserves and XXXX over XXXX |  |  |  | 05/20/2025 B | 2 | XXXX | GA | 3 | 13 C B | N/A | N/A C B |  | Exempt | 1 |
| 1641690 | XXXX | XXXX | 7143967 | 957 | XXXX | Credit | Closing Package |  | Closing Package - First Payment Letter Missing or Incorrect |  | Please provide the XXXX payment letter. | Documents provided |  |  | 06/24/2025 |  | A | 1 | XXXX | AZ | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1641690 | XXXX | XXXX | 7143968 | 459 | XXXX | Credit | Note |  | Note - is missing - No Image of Note found in file |  | Please provide the note for the correct property address. XXXX XX XXXX XXXX XXXX XXXX XXX XXXX | Documents provided |  |  | 06/24/2025 |  | A | 1 | XXXX | AZ | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1643208 | XXXX | XXXX | 7146938 | 868 | XXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | Hazard policy is missing the premium amount. | Documents provided |  | Client 07/14/2025 05:28 PM; X/XX XXXX from insurance agent confirm premiums <br>Reviewer 07/15/2025 04:26 AM; <br>Reviewer 07/15/2025 09:58 AM; This has been cleared. <br>XXXX<br>| 07/15/2025 |  | A | 1 | XXXX | GA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1669197 | XXXX | XXXX | 7149213 | 72 | XXXX | Credit | Closing Package |  | Closing Package - |  | Please provide updated XXXX loan did not close with XXXX XXXX | Information provided |  | Reviewer 08/01/2025 02:51 PM; Escalated for review<br>Reviewer 08/04/2025 02:30 PM; Need updated XXXX reflecting no XXXX - loan did not close with a XXX<br>Client 08/07/2025 10:47 AM; Good morning, XXXX was priced based on a XX year prepayment penalty. XXX we adjust pricing for a no prepayment penalty we will take a loss of XXXX XXXX then adjusting pricing, can we look at updating the documentation to reflecting a XX year prepayment penalty? XXXX you!<br>Reviewer 08/07/2025 11:24 AM; <br>Reviewer 08/07/2025 01:05 PM; Hello <br> XXXX documentation can not be updated after closing to include a XXXX XXXX would need to be reclosed. <br>XXXX<br>Client 08/14/2025 02:53 PM; Good afternoon; XXX XXXX team emailed me to inform that the lock has been updated to remove the XXXX XXX we need to provide anything for the remaining condition? XXXX you!<br>Reviewer 08/14/2025 04:00 PM; <br>Reviewer 08/15/2025 10:52 AM; Hello <br> XXXX provide updated lock. <br>XXXX<br>Reviewer 08/18/2025 09:05 AM; Escalated forr review<br>Reviewer 08/18/2025 11:04 AM; Need updated XXXX lock reflecting no XXX<br>| 08/18/2025 |  | A | 1 | XXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1669197 | XXXX | XXXX | 7149214 | 185 | XXXX | Credit | Flood Certificate |  | Flood Certificate - Flood insurance is required - Flood policy missing |  | Please provide XXXX XXXX XXXX XXXX XXXX a renewal notice is provided.) | Information provided |  |  | 07/28/2025 |  | A | 1 | XXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1669267 | XXXX | XXXX | 7147954 | 7 | XXXX | Credit | Application |  | Application - Completed, signed, initial application for all applicant not in file |  | Please provide an initial application for proof of initial application date. | Information provided |  |  | 07/18/2025 |  | A | 1 | XXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1669267 | XXXX | XXXX | 7148072 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | ACRA to approve client living rent-free. XXXX states absence of housing history is to be approved on a case by case basis. | Per documentation XXXX is not a XXXX documents support entity owns property |  | Reviewer 07/18/2025 05:14 PM; Document received was the XXXX XXXX provide the XXXX XXXX for borrower living rent free<br>Client 07/21/2025 02:34 PM; Reviewed deficiency with credit director and confirmed exception is not needed if we can confirm borrower owns other properties via property profile etc. <br>Reviewer 07/21/2025 04:26 PM; XXXX reflects borrower resides at the same address for XX years XXX appears this has been rent free for XX years.<br>Reviewer 07/21/2025 04:27 PM; <br>| 07/30/2025 |  | A | 1 | XXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1669442 | XXXX | XXXX | 7148222 | 846 | XXXX | Compliance | Disclosure |  | Disclosure - Missing initial disclosure within 3 days of application |  | Need the XXXX within XX days of XXXX application date. | Information provided |  |  | 07/23/2025 |  | A | 1 | XXXX | GA | 1 | 13 D A C | D | A |  | Non-QM | 1 |
| 1669442 | XXXX | XXXX | 7148223 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 07/24/2025 |  | A | 1 | XXXX | GA | 1 | 13 D A C | D | A |  | Non-QM | 1 |
| 1669442 | XXXX | XXXX | 7148224 | 898 | XXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Loan is failing XXX tolerance for increases in the XXXX in XXXX XX without a valid explanation. XXXX amount is XXXX of which the final XXX cured XXXX XXXX left to be cured. XXXX a XXXX with full cure, lox to borrower, proof of refund, and evidence of payment shipped, all within XXX days of consummation. | Information provided |  | Reviewer 07/23/2025 09:31 AM; No documentationprovided<br>Reviewer 07/23/2025 03:56 PM; escalated for review<br>| 07/24/2025 |  | A | 1 | XXXX | GA | 1 | 13 D A C | D | A |  | Non-QM | 1 |
| 1669442 | XXXX | XXXX | 7148225 | 108 | XXXX | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - is missing. |  |  | Information provided |  | Reviewer 07/23/2025 09:31 AM; NO documentation provided<br>| 07/23/2025 |  | A | 1 | XXXX | GA | 1 | 13 D A C | D | A |  | Non-QM | 1 |
| 1669442 | XXXX | XXXX | 7148380 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing closing protection letter | Received XXX |  |  | 07/23/2025 |  | A | 1 | XXXX | GA | 1 | 13 D A C | D | A |  | Non-QM | 1 |
| 1669881 | XXXX | XXXX | 7149936 | 72 | XXXX | Credit | Closing Package |  | Closing Package - |  | The XXXX XXXX XXXX was not found in the file. XXXX document. | Information provided |  | Reviewer 08/06/2025 10:09 AM; BP affidavit has not been provided<br>| 08/12/2025 |  | A | 1 | XXXX | OH | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1669881 | XXXX | XXXX | 7148298 | 1108 | XXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Provide a secondary valuation as XXX score is > XXXX (actual XXXX | Received XXX |  |  | 08/05/2025 |  | A | 1 | XXXX | OH | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1670209 | XXXX | XXXX | 7149266 | 1108 | XXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Provide a secondary valuation as XXX score was not determined. | Received XXX |  |  | 08/03/2025 |  | A | 1 | XXXX | CA | 1 | 1 C A | A | A C |  | Non-QM | 1 |
| 1670274 | XXXX | XXXX | 7152366 | 108 | XXXX | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - is missing. |  | Please provide the deed of trust. | Information provided |  | Reviewer 08/19/2025 11:22 AM; DOT provided is not for this property<br>| 08/21/2025 |  | A | 1 | XXXX | OR | 1 | 13 D A | D | A |  | Non-QM | 1 |
| 1670325 | XXXX | XXXX | 7152369 | 72 | XXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the XXXX XXXX XXXX | Information provided |  |  | 08/18/2025 |  | A | 1 | XXXX | WA | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1670325 | XXXX | XXXX | 7152548 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide secondary valuation as XXX score was not determined. | received XXX |  |  | 08/16/2025 |  | A | 1 | XXXX | WA | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1670329 | XXXX | XXXX | 7149366 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing hazard insurance policy that states XXXX XXXX XXXX XXXX XXXX XXXX as an additional interest. XXXX policy in the file has XXXX XXXX XXX XXXX as the additional interest. | Received revised XXX |  | Reviewer 07/31/2025 11:37 AM; the XXXX received did not reflect XXXX XXXX XXXX XXXX XXXX XXXX as an additional interest.<br>| 08/06/2025 |  | A | 1 | XXXX | MO | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1670329 | XXXX | XXXX | 7149368 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing title commitment naming XXXX XXXX XXXX XXXX XXXX XXXX as the proposed insured. XXXX title commitment in the file has the proposed insured as XXXX XXXX XXXX XXX | received revised title |  |  | 08/07/2025 |  | A | 1 | XXXX | MO | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1670329 | XXXX | XXXX | 7149370 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing personal guaranty with XXXX XXXX signed as an individual and not as a signer of XXXX XXXX XXXX XXXX XXXX XXX | Received XXXX XXXX |  |  | 08/06/2025 |  | A | 1 | XXXX | MO | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1670329 | XXXX | XXXX | 7149373 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing personal guaranty from XXXX XXXX signed as an individual. | Received guaranty signed by XXXX XXXX |  |  | 09/14/2025 |  | A | 1 | XXXX | MO | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1670329 | XXXX | XXXX | 7149375 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing signed and completed XXXX for XXXX XXXX who is listed as a XXXX owner of the XXX | Received signed and dated XXXX for XXXX XXXX |  | Reviewer 07/31/2025 11:39 AM; Documents provided did not include the signed and completed XXXX for XXXX XXXX who is listed as a XXXX owner of the XXX<br>Client 08/04/2025 07:59 PM; We do not have XXXX XXXX as borrower<br>Reviewer 08/05/2025 04:49 AM; <br>| 09/14/2025 |  | A | 1 | XXXX | MO | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1670344 | XXXX | XXXX | 7151085 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide secondary valuation as XXX score is > XXXX | Received XXX |  |  | 08/11/2025 |  | A | 1 | XXXX | TN | 2 | 1 C A | A | A C |  | Non-QM | 1 |
| 1670347 | XXXX | XXXX | 7149990 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide an appraisal review in accordance with XXXX XXXX of the guidelines. | Received XXXX XXXX XXXX |  |  | 08/05/2025 |  | A | 1 | XXXX | MD | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1670348 | XXXX | XXXX | 7150008 | 1108 | XXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Provide a secondary valuation as XXX score was not determined. | Received XXX |  |  | 08/05/2025 |  | A | 1 | XXXX | ME | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1670349 | XXXX | XXXX | 7150015 | 1108 | XXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Provide a secondary valuation as XXX score was not determined. | Received XXX |  |  | 08/05/2025 |  | A | 1 | XXXX | ME | 3 | 3 C A | N/A | N/A C |  | Exempt | 1 |
| 1670349 | XXXX | XXXX | 7150016 | 320 | XXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Missing the final signed closing disclosure for a recent refinance of a property at XXXX XXXX XXXX reflecting loan proceeds of at least XXXX | Received XXX with net proceeds of XXXX |  |  | 08/05/2025 |  | A | 1 | XXXX | ME | 3 | 3 C A | N/A | N/A C |  | Exempt | 1 |
| 1670349 | XXXX | XXXX | 7149971 | 862 | XXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | The XXXX XX is missing from file. XXXX provide, along with XXXX to re-record. |  |  |  | 08/06/2025 |  | A | 1 | XXXX | ME | 3 | 3 C A | N/A | N/A C |  | Exempt | 1 |
| 1670596 | XXXX | XXXX | 7150075 | 72 | XXXX | Credit | Closing Package |  | Closing Package - |  | Missing XXX affidavit or attestation as to what the cash out is being used for (if its used for personal or household) | Information provided |  | Reviewer 08/14/2025 01:00 PM; No documentation provided<br>Client 08/15/2025 08:24 AM; Please clear this condition as this should not be required <br>Reviewer 08/15/2025 09:00 AM; <br>Reviewer 08/15/2025 10:12 AM; Hello <br> XXXX is a XXXX cash-out and either a XXXX XXXX XXXX or attestation reflecting what the cash is used for is required. <br>XXXX<br>| 08/18/2025 |  | A | 1 | XXXX | NJ | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1670596 | XXXX | XXXX | 7149837 | 72 | XXXX | Credit | Closing Package |  | Closing Package - |  | The XXXX of XXXX for XXXX XXXX XXXX XXXX were not found in the file. XXXX document. |  |  |  | 08/14/2025 |  | A | 1 | XXXX | NJ | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1670596 | XXXX | XXXX | 7152130 | 72 | XXXX | Credit | Closing Package |  | Closing Package - |  | Loan was an XXXX and XXXX XXXX however, an attestation reflecting what the cash is used for was not found in the file. XXXX attestation. | Information provided |  | Reviewer 08/14/2025 01:00 PM; No documentation provided<br>Client 08/15/2025 08:24 AM; Please clear this condition as this should not be required <br>Reviewer 08/15/2025 09:00 AM; <br>Reviewer 08/15/2025 10:12 AM; Hello <br> XXXX is a XXXX cash-out and either a XXXX XXXX XXXX or attestation reflecting what the cash is used for is required. <br>XXXX<br>Reviewer 08/19/2025 11:19 AM; Escalated for review<br>| 08/19/2025 |  | A | 1 | XXXX | NJ | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1670680 | XXXX | XXXX | 7152420 | 72 | XXXX | Compliance | Closing Package |  | Closing Package - |  | Please provide updated XXXX approval with the correct property address per legal description. XXXX XXXX XXXX XXXX XXXX XXXX XXX XXXX | Documents received |  | Reviewer 08/20/2025 10:39 AM; LDL uploaded reflects incorrect property address (reflects XXXX and should be XXXX<br>| 09/02/2025 |  | A | 1 | XXXX | WA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1670783 | XXXX | XXXX | 7152878 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide the fraud report. | Received no matches |  | Reviewer 08/22/2025 10:08 AM; Received fraud report. XXXX clear XXXX for participants XXXX XXXX and XXXX XXXX<br>| 08/24/2025 |  | A | 1 | XXXX | WV | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1670794 | XXXX | XXXX | 7150707 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing XXXX XXXX XXXX XXXX received, this may result in additional deficiencies. | Received loan approval |  |  | 08/07/2025 |  | A | 1 | XXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1671236 | XXXX | XXXX | 7151713 | 902 | XXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Complete |  |  | 08/21/2025 |  | A | 1 | XXXX | TX | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1671236 | XXXX | XXXX | 7151714 | 973 | XXXX | Compliance | Compliance |  | Compliance - CD- Other |  | Please provide XXXX that reflects the correct prepaid interest start date as well as disbursement date. | Acceptable XXXX received |  | Reviewer 08/15/2025 01:14 PM; Loan closed on XXXX XXXX XXX signed on XXXX reflects a closing date of XXXX and a funding date of XXXX XX loan cannot fund before it closes. XXXX provide a XXXX that reflects the closing date of XXXX and corrected funding date<br>Reviewer 08/20/2025 03:53 PM; Page XX of XXXX reflects the prepaid interest from XXXX to XXXX XXXX be XXXX to XXX<br>| 08/21/2025 |  | A | 1 | XXXX | TX | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1671236 | XXXX | XXXX | 7151938 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide a fraud report that is accepted by XXXX XXXX | Document received |  |  | 08/15/2025 |  | A | 1 | XXXX | TX | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1671237 | XXXX | XXXX | 7150789 | 72 | XXXX | Compliance | Closing Package |  | Closing Package - |  | Loan must contain the XXXX XXXX confirmation. | Information provided |  |  | 08/13/2025 |  | A | 1 | XXXX | CA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1671237 | XXXX | XXXX | 7151088 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide XXXX XXXX XXXX XXXX will assess the lock for accuracy prior to finalizing the loan purchase. | Lock provided |  |  | 08/12/2025 |  | A | 1 | XXXX | CA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1671237 | XXXX | XXXX | 7151089 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing loan approval. XXXX XXXX approval is received, this may result in additional deficiencies being applied. | Approval provided |  |  | 08/12/2025 |  | A | 1 | XXXX | CA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1671237 | XXXX | XXXX | 7151092 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing XXXX issued XXXX XXXX card or XXXX results. | Received XX |  |  | 08/12/2025 |  | A | 1 | XXXX | CA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1671244 | XXXX | XXXX | 7151735 | 72 | XXXX | Credit | Closing Package |  | Closing Package - |  | Loan must contain the XXXX XXXX confirmation. | Information provided |  |  | 08/13/2025 |  | A | 1 | XXXX | CA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1671244 | XXXX | XXXX | 7152162 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception approval is needed for a property exceeding XXX acres (actual size XXXX acres). XXXX underwriting notes indicate that XXXX approved the exception, but the approval document is missing from the file. |  | Client waived with the following compensating factors: listed in the request form, XXXX below XXXX (actual XXXX XXXX investor, XXXX XXXX (actual XXXX XXXX XXXX for this rural property is XXXX (actual XXXX XXXX XXXX XXXX XXXX for the exception | Client 08/13/2025 12:59 PM; Exception is XXXX subject to: <br> - Documentation of the mitigating factors listed in the XXXX form <br> oDTI below XXXX<br> oExperienced investor <br> oXXX XXXX<br> - Max XXXX for this rural property is XXXX<br> - Requires XXXX XXXX for the exception<br>Reviewer 08/13/2025 01:41 PM; <br>|  |  | 08/13/2025 B | 2 | XXXX | CA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1671303 | XXXX | XXXX | 7152571 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The final, signed XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 08/27/2025 |  | A | 1 | XXXX | KY | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1671303 | XXXX | XXXX | 7152372 | 219 | XXXX | Credit | HUD1 |  | HUD1 - Final HUD-1 is missing |  | Please provide the final XXXX settlement statement. | Information provided |  |  | 08/27/2025 |  | A | 1 | XXXX | KY | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1671311 | XXXX | XXXX | 7153319 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Testing complete |  |  | 08/25/2025 |  | A | 1 | XXXX | MO | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1671311 | XXXX | XXXX | 7153320 | 895 | XXXX | Compliance | Compliance |  | Compliance - TRID CD- Need proof CD was received 3 days prior to consummation |  | Need initial XXX and proof it was received at least XX days prior to XXXX closing date. | Documents received |  |  | 08/25/2025 |  | A | 1 | XXXX | MO | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1671311 | XXXX | XXXX | 7154470 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The loan file is missing the XXX months of business XXXX statements needed for the income and assets for cash-to-close. XXXX credit review is on hold until documents are received. | Documents received |  |  | 08/22/2025 |  | A | 1 | XXXX | MO | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1671311 | XXXX | XXXX | 7154794 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide the fraud report. | received fraud report with alerts cleared. |  |  | 08/25/2025 |  | A | 1 | XXXX | MO | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1671417 | XXXX | XXXX | 7155130 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide an appraisal review/secondary valuation in accordance with the guidelines. | Received XXX |  |  | 08/29/2025 |  | A | 1 | XXXX | TX | 3 | 3 C A | N/A | N/A C |  | Exempt | 1 |
| 1671463 | XXXX | XXXX | 7152431 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide closing protection letter | received XXX |  |  | 08/19/2025 |  | A | 1 | XXXX | FL | 1 | 13 C B | C | A |  | Non-QM | 1 |
| 1671463 | XXXX | XXXX | 7152433 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide final XXXX rate lock confirmation | Received XXXX XXXX |  |  | 08/19/2025 |  | A | 1 | XXXX | FL | 1 | 13 C B | C | A |  | Non-QM | 1 |
| 1671463 | XXXX | XXXX | 7152436 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception approval is required for borrower XXXX who has been self-employed for less than XX years XXXX months). XXXX in the file suggest that an exception approval was present, but the approval is currently not in the file. |  | Exception approval XXXX XXXX - XXX months with XXXX mtg history, low XXXX XXXX low XXXX XXX |  |  |  | 08/20/2025 B | 2 | XXXX | FL | 1 | 13 C B | C | A |  | Non-QM | 1 |
| 1671463 | XXXX | XXXX | 7152399 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Testing complete |  |  | 08/14/2025 |  | A | 1 | XXXX | FL | 1 | 13 C B | C | A |  | Non-QM | 1 |
| 1671463 | XXXX | XXXX | 7152400 | 920 | XXXX | Compliance | Compliance |  | Compliance - TRID-Missing Final CD |  | Final XXX is missing only the initial and revised XXX are provided. | Document received |  |  | 08/14/2025 |  | A | 1 | XXXX | FL | 1 | 13 C B | C | A |  | Non-QM | 1 |
| 1671641 | XXXX | XXXX | 7152565 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | Provide a payment history for the XXXX XXXX XXXX from XXXX to present | Received payment history for XXXX XXXX |  | Reviewer 08/19/2025 10:16 AM; The document received was the XXXX payment letter for XXXX XXXX XXXX the payment history for the XXXX XXXX XXXX from XXXX to present <br>Client 08/22/2025 08:18 PM; We have XXXX the payoff statement, XXXX which shows the latest payment on XXXX and consummation closing disclosure confirming the payoff the loan.<br>Reviewer 08/25/2025 04:25 AM; <br>| 08/22/2025 |  | A | 1 | XXXX | TN | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1671641 | XXXX | XXXX | 7152566 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide the closing protection letter | Received XXX |  |  | 08/19/2025 |  | A | 1 | XXXX | TN | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1671641 | XXXX | XXXX | 7155058 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception approval is needed for a cash-out refinance transaction under the XXXX program when it exceeds XXXX (actual XXXX for an XXXX borrower with a credit score ranging from XXXX to XXXX (actual XXXX | Per XXXX underwriter XXXX a valid visa, XXXX authorization document, or like evidence of legal XXXX residency XXX re-XXXX as XXXX borrower and not XXXX XXXX XXX borrower can XXXX provide evidence of legal presence in XXXX per above and must be priced as XXXX then must also include XXXX XXXX for exception. XXXX borrower with XXXX XXXX XXXX XXXX for refinance is XXXX XXXX updated lock repriced as XXXX has been uploaded, |  | Client 09/03/2025 06:34 PM; Per XXXX underwriter XXXX a valid visa, XXXX authorization document, or like evidence of legal XXXX residency XXX re-XXXX as XXXX borrower and not XXXX XXXX XXX borrower can XXXX provide evidence of legal presence in XXXX per above and must be priced as XXXX then must also include XXXX XXXX for exception. XXXX borrower with XXXX XXXX XXXX XXXX for refinance is XXXX <br>XXXX updated lock repriced as XXXX has bee<br>Reviewer 09/03/2025 08:46 PM; <br>| 09/03/2025 |  | A | 1 | XXXX | TN | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1671962 | XXXX | XXXX | 7155239 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide an secondary valuation/appraisal review in accordance with the guidelines. | UCP XXX XXXX score X |  |  | 09/03/2025 |  | A | 1 | XXXX | FL | 2 | 13 C B | A | A C |  | Non-QM | 1 |
| 1671962 | XXXX | XXXX | 7155245 | 758 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio |  | Back XXXX XXXX of XXXX exceeds the XXXX max XXXX of XXXX XXXX verification the XXXX mortgage XXXX on the primary residence is XXXX stated on the final application. XXXX credit report dated XXXX reflects the XXXX is XXXX XXXX report dated XXXX and mortgage statement dated XXXX reflect XXXX mortgage is an adjustable rate loan with rate change due XXXX XXXX |  | Client waived with compensating factors: XXXX XXXX self-employed for XXXX years in same line of work. | Client 09/08/2025 05:56 PM; Acra will make XXXX exception <br>Reviewer 09/09/2025 05:11 AM; <br>|  |  | 09/08/2025 B | 2 | XXXX | FL | 2 | 13 C B | A | A C |  | Non-QM | 1 |
| 1672032 | XXXX | XXXX | 7155858 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Approval is needed for exceptions where mortgage payments are made by a non-borrowing spouse who has been added as a vested owner. |  | Approval granted for mortgage payments being made by a non-borrowing spouse. XXXX factors XXXX documented on time payment history XXXX XXXX is XXXX which is below the maximum XXXX XXXX for a rate/term refinance XXXX XXXX months reserves |  |  |  | 09/02/2025 B | 2 | XXXX | CA | 1 | 3 C B | A | A |  | Non-QM | 1 |
| 1672137 | XXXX | XXXX | 7154435 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | The payment histories are missing for a XXXX mortgage by XXXX XXXX XXXX XXXX dated XXXX and a XXXX mortgage by XXXX XXXX XXXX dated XXXX both secured by the subject property. | Received mortgage histories |  |  | 08/27/2025 |  | A | 1 | XXXX | CA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1672137 | XXXX | XXXX | 7154436 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing a personal guaranty by the borrower for XXXX XXXX XXXX XXXX XXXX XXXX which is the vested owner of the subject property and a co-borrower on the note | Received completed XXX form |  | Reviewer 08/24/2025 12:09 PM; The borrower entity name was not reflected on the XXXX XXXX form provided and XXXX XXXX is not the XXXX<br>| 08/28/2025 |  | A | 1 | XXXX | CA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1672137 | XXXX | XXXX | 7153205 | 72 | XXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the XXXX XXXX XXXX | Documents received |  |  | 08/21/2025 |  | A | 1 | XXXX | CA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1672155 | XXXX | XXXX | 7155705 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide an appraisal review/secondary valuation in accordance with the guidelines. | UCDP/SSR XXX risk score XXXX |  |  | 09/02/2025 |  | A | 1 | XXXX | GA | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1672285 | XXXX | XXXX | 7156788 | 1108 | XXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | A XXXX XXXX report with a score of XXXX or below is missing. XXX the score exceeds XXXX a secondary collateral evaluation will be necessary. | UCDP XXX risk score is XXX |  | Client 09/08/2025 10:34 AM; uploaded XXXX XXXX<br>Reviewer 09/08/2025 11:06 AM; <br>| 09/08/2025 |  | A | 1 | XXXX | VA | 1 | 13 C A | A | A C |  | Non-QM | 1 |
| 1672293 | XXXX | XXXX | 7154801 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Missing final XXXX XXXX XXXX | XXXX provided |  |  | 09/03/2025 |  | A | 1 | XXXX | MD | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1672293 | XXXX | XXXX | 7154802 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Missing XXXX XXXX XXXX from XXXX XXXX for the subject property. XXXX report in the file is for a different property in the project. | Received XXXX for condo project |  | Reviewer 09/09/2025 09:37 AM; Documents provided did not include the condo XXXX XXXX from XXXX XXXX for the subject property. <br>Reviewer 09/09/2025 09:44 AM; Please upload the condo XXXX XXXX from condo XXXX for project<br>| 09/09/2025 |  | A | 1 | XXXX | MD | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1672293 | XXXX | XXXX | 7154472 | 72 | XXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the XXXX XXXX | Information provided |  |  | 09/04/2025 |  | A | 1 | XXXX | MD | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1672293 | XXXX | XXXX | 7154473 | 72 | XXXX | Credit | Closing Package |  | Closing Package - |  | Loan must contain the XXXX XXXX confirmation. | Information provided |  |  | 09/08/2025 |  | A | 1 | XXXX | MD | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1672293 | XXXX | XXXX | 7154474 | 187 | XXXX | Credit | Flood Certificate |  | Flood Certificate - is missing. |  | Please provide the XXXX XXXX | Information provided |  |  | 09/04/2025 |  | A | 1 | XXXX | MD | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1672293 | XXXX | XXXX | 7154475 | 200 | XXXX | Credit | Hazard Insurance |  | Hazard Insurance - If Condo, blanket coverage policy is missing |  | Please provide XXXX XXXX XXXX | Information provided |  | Reviewer 09/04/2025 09:01 AM; Subject property on XXXX does not match this loan <br>| 09/09/2025 |  | A | 1 | XXXX | MD | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1672294 | XXXX | XXXX | 7154528 | 72 | XXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the XXXX XXXX | Information provided |  |  | 09/09/2025 |  | A | 1 | XXXX | MD | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1672294 | XXXX | XXXX | 7154529 | 72 | XXXX | Credit | Closing Package |  | Closing Package - |  | Loan must contain the XXXX XXXX confirmation. | Information provided |  |  | 09/09/2025 |  | A | 1 | XXXX | MD | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1672294 | XXXX | XXXX | 7154530 | 72 | XXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the XXXX XXXX XXXX | Information provided |  |  | 09/09/2025 |  | A | 1 | XXXX | MD | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1672294 | XXXX | XXXX | 7154531 | 187 | XXXX | Credit | Flood Certificate |  | Flood Certificate - is missing. |  | Please provide the XXXX XXXX | Information provided |  |  | 09/09/2025 |  | A | 1 | XXXX | MD | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1672294 | XXXX | XXXX | 7154532 | 201 | XXXX | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | Please provide hazard policy. XXXX XXXX XXXX does not mention XXXX | Information provided |  |  | 09/09/2025 |  | A | 1 | XXXX | MD | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1672294 | XXXX | XXXX | 7154776 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Missing final XXXX XXXX XXXX | Received XXXX for XXXX XXXX |  |  | 09/09/2025 |  | A | 1 | XXXX | MD | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1672324 | XXXX | XXXX | 7154929 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Please provide XXXX XXXX XXXX XXXX will assess the lock for accuracy prior to finalizing the loan purchase. | Acra XXXX provided |  |  | 09/02/2025 |  | A | 1 | XXXX | VA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1672324 | XXXX | XXXX | 7154775 | 72 | XXXX | Compliance | Closing Package |  | Closing Package - |  | Loan must contain the XXXX XXXX confirmation. | Information provided |  |  | 09/02/2025 |  | A | 1 | XXXX | VA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1673520 | XXXX | XXXX | 7154892 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 09/08/2025 |  | A | 1 | XXXX | HI | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1673520 | XXXX | XXXX | 7154893 | 891 | XXXX | Compliance | Compliance |  | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application |  | Application date is XXXX XXXX XXX issued within XX days of this date. | Information provided |  | Reviewer 08/29/2025 10:52 AM; Please provide XXXX as to why the XXX signed and dated the XXXX on XXXX<br>Client 09/05/2025 12:35 PM; Please note that this is a banked wholesale transaction. XXXX XXXX XXXX XXXX is licensed with the XXXX XXXX XXXX and they are partnered with XXXX XXX which is a division of XXXX XXXX XXXX XXXX XXXX revisit the loan channel and clear the condition.<br>Reviewer 09/05/2025 01:54 PM; This is a duplicate escalation- replied to the XXXX one submitted. <br>XXXX<br>Reviewer 09/05/2025 02:45 PM; <br>| 09/08/2025 |  | A | 1 | XXXX | HI | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1673520 | XXXX | XXXX | 7154895 | 480 | XXXX | Credit | Application |  | Application - Compliance \ Application - Validate Loan Originator ID and Loan Originator Co ID on http://www.nmlsconsumeraccess.org/ to verify ID is active and matches LO and CO on application. If not found on website, suspend for correct ID #. |  | NMLS does not show the XXX XXXX XXXX authorized to represent XXXX XXXX XXXX XXXX evidence this XXX was authorized with this company at initial and final application dates. |  |  | Reviewer 08/29/2025 09:01 AM; No documentation provided<br>Client 09/05/2025 12:35 PM; Please note that this is a banked wholesale transaction. XXXX XXXX XXXX XXXX is licensed with the XXXX XXXX XXXX and they are partnered with XXXX XXX which is a division of XXXX XXXX XXXX XXXX XXXX revisit the loan channel and clear the condition. <br>Reviewer 09/05/2025 01:54 PM; Hello <br> XXXX provide documentation as there is no reference on XXXX site that suggests the partnership. <br>XXXX<br>Reviewer 09/05/2025 02:44 PM; <br>Client 09/15/2025 03:56 PM; Please refer page XX of the XXXX XXXX XXXX lender XXXX broker is listed as XXX XXXX XXXX XXXX XXXX that sufficient on a XXXX channel transaction? XXX you require the XXXX XXXX corrected to relfect the lender name as XXX XXXX XXXX XXXX <br>Reviewer 09/16/2025 04:13 AM; <br>Reviewer 09/16/2025 11:54 AM; Escalation has been assigned for XXXX XXXX<br>Reviewer 09/17/2025 11:09 AM; Hello <br> XXXX the final XXXX must reflect the correct organization that the XXX is licensed with. <br>XXXX<br>Client 09/17/2025 12:08 PM; Amended XXXX application XXXX has been now uploaded. XXXX review and clear. <br>Reviewer 09/17/2025 01:16 PM; <br>Reviewer 09/17/2025 01:53 PM; Hello <br> XXXX has been cleared. <br>XXXX<br>| 09/17/2025 |  | A | 1 | XXXX | HI | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1673520 | XXXX | XXXX | 7154896 | 846 | XXXX | Compliance | Disclosure |  | Disclosure - Missing initial disclosure within 3 days of application |  | Need the XXXX issued within XX days of XXXX appl date. | Information provided |  | Reviewer 09/02/2025 09:09 AM; Unable to clear until the XXXX as to whyt he XXX signed and dated the XXXX on XXXX is provided<br>| 09/08/2025 |  | A | 1 | XXXX | HI | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1673520 | XXXX | XXXX | 7155005 | 501 | XXXX | Compliance | Appraisal |  | Appraisal - Compliance \ Appraisal - Photos must be clear and legible, if not suspend |  | Appraisal | Information provided |  |  | 08/29/2025 |  | A | 1 | XXXX | HI | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1673521 | XXXX | XXXX | 7155361 | 896 | XXXX | Compliance | Compliance |  | Compliance - TRID CD-Timing |  | Provide evidence XXX dated XXXX was rec''''d by the borrower at or prior to consummation date of XXXX | Documents received |  |  | 09/04/2025 |  | A | 1 | XXXX | AL | 1 | 13 C A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1673521 | XXXX | XXXX | 7155362 | 902 | XXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Testing complete |  |  | 09/04/2025 |  | A | 1 | XXXX | AL | 1 | 13 C A | C | A |  | Safe Harbor QM (APOR) | 1 |
| 1673566 | XXXX | XXXX | 7154956 | 7 | XXXX | Credit | Application |  | Application - Completed, signed, initial application for all applicant not in file |  | Please provide the initial application. | Information provided |  | Reviewer 08/29/2025 01:05 PM; Final application provided. XXXX initial application signed by XXX at application<br>| 09/03/2025 |  | A | 1 | XXXX | IL | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1673566 | XXXX | XXXX | 7155074 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | The borrower has less than XX months reserves. XXXX for the XXXX XXXX program requires XX months of reserves when the XXXX is greater than XXXX or less than or equal to XXXX |  | Compensating factors: XXXX score is XXXX when XXXX is the minimum XXXX score for the XXXX program; XXXX income is XXXX when the minimum XXXX income is XXXX XXXX borrower has a XXXX mortgage history when a mortgage history of XXXX is permitted with a maximum of XXXX XXXX |  |  |  | 08/26/2025 B | 2 | XXXX | IL | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1673566 | XXXX | XXXX | 7155086 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The final, signed XXX and the pre-close XXXX approval are missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 08/28/2025 |  | A | 1 | XXXX | IL | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1673566 | XXXX | XXXX | 7154888 | 884 | XXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 09/03/2025 |  | A | 1 | XXXX | IL | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1673566 | XXXX | XXXX | 7154889 | 897 | XXXX | Compliance | Compliance |  | Compliance - TRID CD- Other |  | Need the final XXX signed at the closing on XXXX | Information provided |  |  | 08/29/2025 |  | A | 1 | XXXX | IL | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1673800 | XXXX | XXXX | 7155841 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | X.XX months of reserves provided and the XXXX is XXXX XXXX guidelines for the XXXX program requires XXX months reserves when the XXXX is > XXXX |  | Client waived with compensating factors: XXXX in residual income when only XXXX is required; XXXX XXXX score when XXXX is the minimum; XXXX is XXXX when the max XXXX is XXXX | Reviewer 09/02/2025 08:38 AM; <br>|  |  | 09/02/2025 B | 2 | XXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1673878 | XXXX | XXXX | 7156020 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | The use of a XXX month X |  | Client waived with compensating factors: XXXX of XXXX when a max XXXX of XXXX allowed; XXXX XXXX score when a XXXX min XXXX score allowed; XXXX XXXX of XXXX when a min XXXX of residual income is allowed. |  |  |  | 09/02/2025 B | 2 | XXXX | MD | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1673974 | XXXX | XXXX | 7157943 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide secondary valuation or appraisal review. XXXX the appraisal was provided. | Received XXX |  |  | 09/11/2025 |  | A | 1 | XXXX | IL | 1 | 13 C A | A | A C |  | Non-QM | 1 |
| 1673976 | XXXX | XXXX | 7156040 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | The loan amount is XXXX XXXX XXXX and the subject property is rural. XXXX max loan amount is XXXX max XXXX is XXXX when the subject property is rural for the XXXX XXXX guidelines. |  | Client XXXX with compensating factors: XXXX months of reserves when only XX months are required; XXXX XXXX score when the minimum XXXX score is XXXX XXXX residual income when only XXXX is required. |  |  |  | 09/02/2025 B | 2 | XXXX | WA | 2 | 1 C B | A | A |  | Non-QM | 1 |
| 1674272 | XXXX | XXXX | 7158199 | 336 | XXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Provide a business XXXX statement analysis worksheet confirming monthly income of XXXX | Received XXXX statement income worksheet |  |  | 09/15/2025 |  | A | 1 | XXXX | GA | 1 | 13 C A | A | A |  | Non-QM | 1 |
| 1674973 | XXXX | XXXX | 7158167 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide a fraud report accepted by XXXX XXXX | Fraud report was in the original file and is deemed acceptable. |  |  | 09/15/2025 |  | A | 1 | XXXX | PA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1674973 | XXXX | XXXX | 7157912 | 868 | XXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | Hazard policy is missing the premium amount. | Information provided |  |  | 09/15/2025 |  | A | 1 | XXXX | PA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1674973 | XXXX | XXXX | 7157942 | 72 | XXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the business purpose affidavit. | Information provided |  |  | 09/15/2025 |  | A | 1 | XXXX | PA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1675004 | XXXX | XXXX | 7157974 | 187 | XXXX | Credit | Flood Certificate |  | Flood Certificate - is missing. |  | Please provide the flood certificate. | Information provided |  |  | 09/12/2025 |  | A | 1 | XXXX | MA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1675004 | XXXX | XXXX | 7157975 | 868 | XXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | Hazard policy is missing the policy number. | Information provided |  | Reviewer 09/12/2025 12:40 PM; HOX insurance is missing the policy number.<br>| 09/16/2025 |  | A | 1 | XXXX | MA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1675328 | XXXX | XXXX | 7158644 | 72 | XXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the XXXX XXXX XXXX | Information provided |  |  | 09/17/2025 |  | A | 1 | XXXX | CA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |

---

## Exhibit 99.05

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.05 - Schedule 3**

![](evolve-logo.jpg)

---

| |
|:---|
| **Valuation Report** |
| **Run Date - 11/19/2025 2:51:55 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Appraisal Type** | **Appraisal Company** | **Appraiser Name** | **Appraiser State License Number** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 1670790 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1672149 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.3 |
| 1670209 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004C | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 12.08% | XXX | 91 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1673976 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.1 |
| 1674272 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.2 |
| 1671237 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1671236 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1673878 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1675228 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1672137 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004C | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 26.64% | XXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1670347 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 1670274 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004C | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1669197 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| 1673524 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| 1669202 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1670680 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| 1670234 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1672028 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1670325 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXX | reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1670393 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX | XXXX |  | 0.00% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 1673566 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.8 |
| 1669442 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1673800 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1674110 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 1641690 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1671244 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.8 |
| 1675328 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004C | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1672285 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1671962 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| 1672155 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 1673974 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXX | reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1670233 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1669084 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1668650 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1673521 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.2 |
| 1669093 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| 1670596 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1672032 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.7 |
| 1671463 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1670794 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1671488 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 1670329 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1671311 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| 1671641 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1673520 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1674973 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.35% | XXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1674641 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.89% | XXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1639427 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 2055 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.29% | XXX | High | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1670336 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1672321 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1670349 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXX | reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1670348 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXX | reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1671417 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1672138 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1675004 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| 1670344 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXX | reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.7 |
| 1669066 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 1643208 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1671303 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| 1673576 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004C | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1669267 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1669881 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | XXX | reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.7 |
| 1670783 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 1672294 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1672293 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1672324 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |

---

## Exhibit 99.05

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.05 - Schedule 4**

![](evolve-logo.jpg)

---

| |
|:---|
| **Data Compare** |
| **Run Date - 11/19/2025 2:51:55 PM** |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 1670790 | XXXX | XXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1670790 | XXXX | XXXX | Original P&I |  | 8781.99 | Verified |
| 1670790 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1670790 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1670790 | XXXX | XXXX | Qualifying DTI | 34.75600 | 0.34718 | Verified |
| 1670790 | XXXX | XXXX | Self-Employment Flag | True | Y | Verified |
| 1672149 | XXXX | XXXX | Doc Type | Profit & Loss 12 Month | P&L | Verified |
| 1672149 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1672149 | XXXX | XXXX | Original P&I |  | 4813.00 | Verified |
| 1672149 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1672149 | XXXX | XXXX | Prepayment Penalty |  | N | Verified |
| 1672149 | XXXX | XXXX | Product Code | Profit & Loss 12 Month | PL12CPA30F | Verified |
| 1672149 | XXXX | XXXX | Qualifying DTI | 44.87600 | 0.48421 | Verified |
| 1670209 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1670209 | XXXX | XXXX | Original P&I |  | 1768.13 | Verified |
| 1670209 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1670209 | XXXX | XXXX | Prepayment Penalty |  | N | Verified |
| 1670209 | XXXX | XXXX | Qualifying DTI | 47.22100 | 0.46965 | Verified |
| 1673976 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1673976 | XXXX | XXXX | Doc Type | Asset Depletion + Other Income | Full | Verified |
| 1673976 | XXXX | XXXX | Occupancy | SecondHome | Second Home | Verified |
| 1673976 | XXXX | XXXX | Original P&I |  | 5295.81 | Verified |
| 1673976 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1673976 | XXXX | XXXX | Prepayment Penalty |  | N | Verified |
| 1673976 | XXXX | XXXX | Product Code | Asset Depletion + Other Income | Full Doc | Verified |
| 1673976 | XXXX | XXXX | Qualifying DTI | 45.74200 | 0.46411 | Verified |
| 1674272 | XXXX | XXXX | Doc Type | Bank Statements 12 Months | Bank Statement | Verified |
| 1674272 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1674272 | XXXX | XXXX | Original P&I |  | 795.22 | Verified |
| 1674272 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1674272 | XXXX | XXXX | Prepayment Penalty |  | N | Verified |
| 1674272 | XXXX | XXXX | Product Code | Bank Statements 12 Months | Bk St- 12 mos | Verified |
| 1674272 | XXXX | XXXX | Qualifying DTI | 49.02200 | 0.49022 | Verified |
| 1671237 | XXXX | XXXX | Doc Type | Asset Depletion No DTI | Asset Depletion | Verified |
| 1671237 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1671237 | XXXX | XXXX | Original P&I |  | 1437.72 | Verified |
| 1671237 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1671237 | XXXX | XXXX | Prepayment Penalty |  | N | Verified |
| 1671237 | XXXX | XXXX | Product Code | Asset Depletion No DTI | NP30F | Verified |
| 1671237 | XXXX | XXXX | Qualifying DTI | 51.90500 | 0.46604 | Verified |
| 1671236 | XXXX | XXXX | Doc Type | Asset Depletion No DTI | Asset Depletion | Verified |
| 1671236 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1671236 | XXXX | XXXX | Original P&I |  | 1329.55 | Verified |
| 1671236 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1671236 | XXXX | XXXX | Prepayment Penalty |  | N | Verified |
| 1671236 | XXXX | XXXX | Product Code | Asset Depletion No DTI | ATR Full | Verified |
| 1671236 | XXXX | XXXX | Qualifying DTI | 50.00000 |  | Verified |
| 1673878 | XXXX | XXXX | Doc Type | Profit & Loss 12 Month | P&L | Verified |
| 1673878 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1673878 | XXXX | XXXX | Original P&I |  | 2122.21 | Verified |
| 1673878 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1673878 | XXXX | XXXX | Prepayment Penalty |  | N | Verified |
| 1673878 | XXXX | XXXX | Product Code | Profit & Loss 12 Month | Full Doc | Verified |
| 1673878 | XXXX | XXXX | Property Type | PUD Attached | PUD-Detached | Verified |
| 1673878 | XXXX | XXXX | Qualifying DTI | 38.79300 | 0.38767 | Verified |
| 1675228 | XXXX | XXXX | Doc Type | Profit & Loss 12 Month | P&L | Verified |
| 1675228 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1675228 | XXXX | XXXX | Original P&I |  | 2912.89 | Verified |
| 1675228 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1675228 | XXXX | XXXX | Prepayment Penalty |  | N | Verified |
| 1675228 | XXXX | XXXX | Product Code | Profit & Loss 12 Month | PL12CPA30F | Verified |
| 1675228 | XXXX | XXXX | Property Type | PUD Attached | PUD-Detached | Verified |
| 1675228 | XXXX | XXXX | Qualifying DTI | 23.31200 | 0.23312 | Verified |
| 1672137 | XXXX | XXXX | Original Amortization Term | 30 | 360 | Verified |
| 1672137 | XXXX | XXXX | DSCR |  | 1.590 | Verified |
| 1672137 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified |
| 1672137 | XXXX | XXXX | Original P&I |  | 960.72 | Verified |
| 1672137 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1672137 | XXXX | XXXX | Prepayment Penalty | N | Y | Verified |
| 1672137 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1672137 | XXXX | XXXX | Product Code |  | DSCR-Inv | Verified |
| 1672137 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1672137 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1673566 | XXXX | XXXX | Doc Type | Full Doc | Bank Statement | Verified |
| 1673566 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1673566 | XXXX | XXXX | Original P&I |  | 3272.67 | Verified |
| 1673566 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1673566 | XXXX | XXXX | Prepayment Penalty |  | N | Verified |
| 1673566 | XXXX | XXXX | Product Code | Full Doc | Bk St- 12 mos | Verified |
| 1673566 | XXXX | XXXX | Qualifying DTI | 44.76000 | 0.48836 | Verified |
| 1669442 | XXXX | XXXX | Doc Type | Profit & Loss 12 Month | P&L | Verified |
| 1669442 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1669442 | XXXX | XXXX | Original P&I |  | 1548.02 | Verified |
| 1669442 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1669442 | XXXX | XXXX | Prepayment Penalty |  | N | Verified |
| 1669442 | XXXX | XXXX | Product Code | Profit & Loss 12 Month | PL12CPA30F | Verified |
| 1669442 | XXXX | XXXX | Qualifying DTI | 44.68500 | 0.44685 | Verified |
| 1673800 | XXXX | XXXX | Doc Type | Bank Statements 12 Months | Bank Statement | Verified |
| 1673800 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1673800 | XXXX | XXXX | Original P&I |  | 7699.26 | Verified |
| 1673800 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1673800 | XXXX | XXXX | Prepayment Penalty |  | N | Verified |
| 1673800 | XXXX | XXXX | Product Code | Bank Statements 12 Months | Bk St- 12 mos | Verified |
| 1673800 | XXXX | XXXX | Qualifying DTI | 40.11500 | 0.40115 | Verified |
| 1674110 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1674110 | XXXX | XXXX | Original P&I |  | 8250.73 | Verified |
| 1674110 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1674110 | XXXX | XXXX | Prepayment Penalty |  | N | Verified |
| 1674110 | XXXX | XXXX | Product Code | Asset Depletion | ATR Full | Verified |
| 1671244 | XXXX | XXXX | Original Amortization Term | 30 | 360 | Verified |
| 1671244 | XXXX | XXXX | Doc Type |  | Full | Verified |
| 1671244 | XXXX | XXXX | Original P&I |  | 6785.88 | Verified |
| 1671244 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1671244 | XXXX | XXXX | Product Code |  | DSCR-Inv | Verified |
| 1671244 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1671244 | XXXX | XXXX | Qualifying DTI | 29.62500 | 0.29625 | Verified |
| 1671244 | XXXX | XXXX | Self-Employment Flag |  | Y | Verified |
| 1675328 | XXXX | XXXX | Original Amortization Term | 30 | 360 | Verified |
| 1675328 | XXXX | XXXX | DSCR |  | 1.010 | Verified |
| 1675328 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified |
| 1675328 | XXXX | XXXX | Original P&I |  | 2103.83 | Verified |
| 1675328 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1675328 | XXXX | XXXX | Product Code |  | DSCR-Inv | Verified |
| 1675328 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1675328 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1670596 | XXXX | XXXX | Amortization Type | Yes | Fixed | Verified |
| 1670596 | XXXX | XXXX | Original Amortization Term | 57500 | 360 | Verified |
| 1670596 | XXXX | XXXX | Appraised Value |  | XXXX | Verified |
| 1670596 | XXXX | XXXX | DSCR |  | 1.100 | Verified |
| 1670596 | XXXX | XXXX | Doc Type | Full | Debt Service Coverage | Verified |
| 1670596 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1670596 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified |
| 1670596 | XXXX | XXXX | Loan Purpose | refi | Refinance - Cash Out | Verified |
| 1670596 | XXXX | XXXX | Maturity Date |  | 20550801 | Verified |
| 1670596 | XXXX | XXXX | Original P&I |  | 3922.51 | Verified |
| 1670596 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1670596 | XXXX | XXXX | Prepayment Penalty | N | Y | Verified |
| 1670596 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1670596 | XXXX | XXXX | Product Code |  | ALNPDSCRAA30F5PP | Verified |
| 1670596 | XXXX | XXXX | Property Type | detached | Two Family | Verified |
| 1670596 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1670596 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1670596 | XXXX | XXXX | Self-Employment Flag | 726 | N | Verified |
| 1671463 | XXXX | XXXX | Doc Type | Full Doc | Bank Statement | Verified |
| 1671463 | XXXX | XXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1671463 | XXXX | XXXX | Original LTV |  | XXXX | Verified |
| 1671463 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1671463 | XXXX | XXXX | Original P&I |  | 3552.84 | Verified |
| 1671463 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1671463 | XXXX | XXXX | Property Type | 1 Unit | Single Family | Verified |
| 1671463 | XXXX | XXXX | Qualifying DTI | 33.05300 | 0.33038 | Verified |
| 1670794 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1670794 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified |
| 1670794 | XXXX | XXXX | Doc Type | 0 | Debt Service Coverage | Verified |
| 1670794 | XXXX | XXXX | Original LTV | XXXX | XXXX | Verified |
| 1670794 | XXXX | XXXX | Occupancy | Investor | Investment | Verified |
| 1670794 | XXXX | XXXX | Original P&I |  | 1326.48 | Verified |
| 1670794 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1670794 | XXXX | XXXX | Prepayment Penalty | N | Y | Verified |
| 1670794 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1670794 | XXXX | XXXX | Product Code | 0 | DSCR- FN | Verified |
| 1670794 | XXXX | XXXX | Property Type | PUD | PUD-Detached | Verified |
| 1670794 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1671488 | XXXX | XXXX | Original Amortization Term | 360 | 300 | Verified |
| 1671488 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1671488 | XXXX | XXXX | Qualifying Credit Score | XXX |  | Verified |
| 1671488 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified |
| 1671488 | XXXX | XXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 1671488 | XXXX | XXXX | Original LTV | XXXX | XXXX | Verified |
| 1671488 | XXXX | XXXX | Occupancy | Investor | Investment | Verified |
| 1671488 | XXXX | XXXX | Original P&I |  | 1929.64 | Verified |
| 1671488 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1671488 | XXXX | XXXX | Prepayment Penalty | N | Y | Verified |
| 1671488 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1671488 | XXXX | XXXX | Product Code | Full Doc | DSCR- FN | Verified |
| 1671488 | XXXX | XXXX | Property Type | PUD | PUD-Detached | Verified |
| 1671488 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1670329 | XXXX | XXXX | DSCR | 0.017 | 1.760 | Verified |
| 1670329 | XXXX | XXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 1670329 | XXXX | XXXX | First Payment Date | XXXX | XXXX | Verified |
| 1670329 | XXXX | XXXX | Maturity Date | XXXXX | 20550801 | Verified |
| 1670329 | XXXX | XXXX | Original P&I |  | 2279.23 | Verified |
| 1670329 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1670329 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1670329 | XXXX | XXXX | Product Code |  | DSCR-Inv | Verified |
| 1670329 | XXXX | XXXX | Self-Employment Flag | Y | N | Verified |
| 1671641 | XXXX | XXXX | DSCR | 1.210 | 1.240 | Verified |
| 1671641 | XXXX | XXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 1671641 | XXXX | XXXX | First Payment Date | XXXX | XXXX | Verified |
| 1671641 | XXXX | XXXX | Maturity Date | XXXXX | 20550901 | Verified |
| 1671641 | XXXX | XXXX | Original P&I |  | 1086.90 | Verified |
| 1671641 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1671641 | XXXX | XXXX | Product Code |  | DSCR- FN | Verified |
| 1671641 | XXXX | XXXX | QM Status | QM Safe Harbor | Exempt | Verified |
| 1673520 | XXXX | XXXX | Doc Type | Full Doc | Bank Statement | Verified |
| 1673520 | XXXX | XXXX | Original P&I |  | 7252.09 | Verified |
| 1673520 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1673520 | XXXX | XXXX | Product Code |  | Bk St- 12 mos | Verified |
| 1673520 | XXXX | XXXX | QM Status | Exempt | Non-QM | Verified |
| 1673520 | XXXX | XXXX | Qualifying DTI | 25.22900 | 0.25238 | Verified |
| 1674973 | XXXX | XXXX | Amortization Type | Yes | Fixed | Verified |
| 1674973 | XXXX | XXXX | Original Amortization Term | 17250 | 360 | Verified |
| 1674973 | XXXX | XXXX | Appraised Value |  | XXXX | Verified |
| 1674973 | XXXX | XXXX | DSCR |  | 1.780 | Verified |
| 1674973 | XXXX | XXXX | Doc Type | Full | Debt Service Coverage | Verified |
| 1674973 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified |
| 1674973 | XXXX | XXXX | Loan Purpose | refi | Refinance - Cash Out | Verified |
| 1674973 | XXXX | XXXX | Note Date | XXXX | XXXX | Verified |
| 1674973 | XXXX | XXXX | Original P&I |  | 1311.12 | Verified |
| 1674973 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1674973 | XXXX | XXXX | Prepayment Penalty | N | Y | Verified |
| 1674973 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1674973 | XXXX | XXXX | Product Code |  | DSCR-Inv | Verified |
| 1674973 | XXXX | XXXX | Property Type | Semidetached | Three Family | Verified |
| 1674973 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1674973 | XXXX | XXXX | Self-Employment Flag | 695 | N | Verified |
| 1674641 | XXXX | XXXX | Amortization Type | Yes | Fixed | Verified |
| 1674641 | XXXX | XXXX | Original Amortization Term | 16875 | 360 | Verified |
| 1674641 | XXXX | XXXX | Appraised Value |  | XXXX | Verified |
| 1674641 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified |
| 1674641 | XXXX | XXXX | DSCR |  | 1.540 | Verified |
| 1674641 | XXXX | XXXX | Doc Type | Full | Debt Service Coverage | Verified |
| 1674641 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified |
| 1674641 | XXXX | XXXX | Loan Purpose | refi | Refinance - Cash Out | Verified |
| 1674641 | XXXX | XXXX | Original LTV | XXXX | XXXX | Verified |
| 1674641 | XXXX | XXXX | Maturity Date | XXXXX | 20550901 | Verified |
| 1674641 | XXXX | XXXX | Original P&I |  | 1297.54 | Verified |
| 1674641 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1674641 | XXXX | XXXX | Product Code |  | DSCR-Inv | Verified |
| 1674641 | XXXX | XXXX | Property Type | Semi- detached | Two Family | Verified |
| 1674641 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1674641 | XXXX | XXXX | Self-Employment Flag | 695 | N | Verified |
| 1675004 | XXXX | XXXX | Original P&I |  | 1923.74 | Verified |
| 1675004 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1675004 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1675004 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1675004 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1669267 | XXXX | XXXX | Original Amortization Term | 360 | 300 | Verified |
| 1669267 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1669267 | XXXX | XXXX | Original P&I |  | 2096.88 | Verified |
| 1669267 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1669267 | XXXX | XXXX | Prepayment Penalty |  | Y | Verified |
| 1669267 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1669267 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1672294 | XXXX | XXXX | DSCR | 1.000 | 1.150 | Verified |
| 1672294 | XXXX | XXXX | Doc Type | DSCR | Debt Service Coverage | Verified |
| 1672294 | XXXX | XXXX | Loan Purpose | Cash-Out Refi | Refinance - Cash Out | Verified |
| 1672294 | XXXX | XXXX | Maturity Date | XXXXX | 20550901 | Verified |
| 1672294 | XXXX | XXXX | Original P&I |  | 993.24 | Verified |
| 1672294 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1672294 | XXXX | XXXX | Product Code |  | Full Doc | Verified |
| 1672294 | XXXX | XXXX | Property Type | Condominium | Condo-Lo 1-4 Stories | Verified |
| 1672294 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1672294 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1672293 | XXXX | XXXX | DSCR | 1.000 | 1.150 | Verified |
| 1672293 | XXXX | XXXX | Doc Type | DSCR | Debt Service Coverage | Verified |
| 1672293 | XXXX | XXXX | Loan Purpose | Cash-Out Refi | Refinance - Cash Out | Verified |
| 1672293 | XXXX | XXXX | Maturity Date | XXXXX | 20550901 | Verified |
| 1672293 | XXXX | XXXX | Note Date | XXXX | XXXX | Verified |
| 1672293 | XXXX | XXXX | Original P&I |  | 993.24 | Verified |
| 1672293 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1672293 | XXXX | XXXX | Product Code |  | Full Doc | Verified |
| 1672293 | XXXX | XXXX | Property Street Address | XXXX | XXXX | Verified |
| 1672293 | XXXX | XXXX | Property Type | Condominium | Condo-Lo 1-4 Stories | Verified |
| 1672293 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1672293 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1672324 | XXXX | XXXX | Doc Type | 12 Months Bank Statement | Bank Statement | Verified |
| 1672324 | XXXX | XXXX | Original P&I |  | 2940.18 | Verified |
| 1672324 | XXXX | XXXX | PITI |  | XXXX | Verified |
| 1672324 | XXXX | XXXX | Product Code |  | Bk St- 12 mos | Verified |
| 1672324 | XXXX | XXXX | Qualifying DTI | 42.80000 | 0.42800 | Verified |
| 1670347 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1670347 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1670347 | XXXX | XXXX | Maturity Date |  | 20550801 | Verified |
| 1670347 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1670347 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1670347 | XXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1670347 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1670274 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1670274 | XXXX | XXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1670274 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1670274 | XXXX | XXXX | Maturity Date |  | 20550801 | Verified |
| 1670274 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1670274 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1670274 | XXXX | XXXX | Property Type |  | Manufactured | Verified |
| 1670274 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1670274 | XXXX | XXXX | QM Status |  | Non-QM | Verified |
| 1670274 | XXXX | XXXX | Qualifying DTI | 28.91000 | 0.29152 | Verified |
| 1669197 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1669197 | XXXX | XXXX | DSCR | 1.228 | 1.320 | Verified |
| 1669197 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1669197 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified |
| 1669197 | XXXX | XXXX | Maturity Date |  | 20550801 | Verified |
| 1669197 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1669197 | XXXX | XXXX | Original P&I | 733.76 | 699.21 | Verified |
| 1669197 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1669197 | XXXX | XXXX | Property Type | Condo | Condo-Lo 1-4 Stories | Verified |
| 1669197 | XXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1669197 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1673524 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1673524 | XXXX | XXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1673524 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1673524 | XXXX | XXXX | Maturity Date |  | 20550901 | Verified |
| 1673524 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1673524 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1673524 | XXXX | XXXX | Property Type | Planned Unit Development | PUD-Attached | Verified |
| 1673524 | XXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1673524 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1673524 | XXXX | XXXX | Qualifying DTI | 13.69000 | 0.29115 | Verified |
| 1669202 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1669202 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1669202 | XXXX | XXXX | Maturity Date |  | 20550801 | Verified |
| 1669202 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1669202 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1669202 | XXXX | XXXX | Property Type | Condo | Condo-Hi >8 Stories | Verified |
| 1669202 | XXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1669202 | XXXX | XXXX | QM Status |  | Safe Harbor QM (APOR) | Verified |
| 1669202 | XXXX | XXXX | Qualifying DTI | 35.38000 | 0.35377 | Verified |
| 1670680 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1670680 | XXXX | XXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1670680 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1670680 | XXXX | XXXX | Maturity Date |  | 20550901 | Verified |
| 1670680 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1670680 | XXXX | XXXX | Product Code | AC30YrFx | Bk St- 12 mos | Verified |
| 1670680 | XXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1670680 | XXXX | XXXX | QM Status |  | Non-QM | Verified |
| 1670680 | XXXX | XXXX | Qualifying DTI | 38.34000 | 0.40851 | Verified |
| 1670234 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1670234 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1670234 | XXXX | XXXX | Maturity Date |  | 20550801 | Verified |
| 1670234 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1670234 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1670234 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1670234 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1672028 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1672028 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1672028 | XXXX | XXXX | Maturity Date |  | 20550901 | Verified |
| 1672028 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1672028 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1672028 | XXXX | XXXX | Property Type | Planned Unit Development | PUD-Detached | Verified |
| 1672028 | XXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1672028 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1670325 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1670325 | XXXX | XXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1670325 | XXXX | XXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1670325 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1670325 | XXXX | XXXX | Maturity Date |  | 20550801 | Verified |
| 1670325 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1670325 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1670325 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1670325 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1670325 | XXXX | XXXX | Qualifying DTI | 35.66000 | 0.35529 | Verified |
| 1670393 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1670393 | XXXX | XXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1670393 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1670393 | XXXX | XXXX | Maturity Date |  | 20550801 | Verified |
| 1670393 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1670393 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1670393 | XXXX | XXXX | Product Code | AC30YrFx | Bk St- 12 mos | Verified |
| 1670393 | XXXX | XXXX | Property Type | Planned Unit Development | PUD-Detached | Verified |
| 1670393 | XXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1670393 | XXXX | XXXX | QM Status |  | Non-QM | Verified |
| 1670393 | XXXX | XXXX | Qualifying DTI | 48.92000 | 0.48978 | Verified |
| 1641690 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1641690 | XXXX | XXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1641690 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1641690 | XXXX | XXXX | Maturity Date |  | 20550701 | Verified |
| 1641690 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1641690 | XXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1641690 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1641690 | XXXX | XXXX | Qualifying DTI | 15.29000 | 0.15083 | Verified |
| 1672285 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1672285 | XXXX | XXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1672285 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1672285 | XXXX | XXXX | Maturity Date |  | 20550901 | Verified |
| 1672285 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1672285 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1672285 | XXXX | XXXX | Product Code | AC30YrFx | Bk St- 12 mos | Verified |
| 1672285 | XXXX | XXXX | Property Type | Planned Unit Development | PUD-Detached | Verified |
| 1672285 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1672285 | XXXX | XXXX | QM Status |  | Non-QM | Verified |
| 1672285 | XXXX | XXXX | Qualifying DTI | 36.44000 | 0.36288 | Verified |
| 1671962 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1671962 | XXXX | XXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1671962 | XXXX | XXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1671962 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1671962 | XXXX | XXXX | Maturity Date |  | 20550901 | Verified |
| 1671962 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1671962 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1671962 | XXXX | XXXX | Product Code | AC30YrFx | Bk St- 12 mos | Verified |
| 1671962 | XXXX | XXXX | Property Type | Condo | Condo-Hi >8 Stories | Verified |
| 1671962 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1671962 | XXXX | XXXX | QM Status |  | Non-QM | Verified |
| 1671962 | XXXX | XXXX | Qualifying DTI | 49.87000 | 0.53412 | Verified |
| 1672155 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1672155 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1672155 | XXXX | XXXX | Maturity Date |  | 20550901 | Verified |
| 1672155 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1672155 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1672155 | XXXX | XXXX | Property Type | Single Family | PUD-Detached | Verified |
| 1672155 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1672155 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1673974 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1673974 | XXXX | XXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1673974 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1673974 | XXXX | XXXX | Maturity Date |  | 20551001 | Verified |
| 1673974 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1673974 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1673974 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1673974 | XXXX | XXXX | QM Status |  | Non-QM | Verified |
| 1673974 | XXXX | XXXX | Qualifying DTI | 29.17000 | 0.30015 | Verified |
| 1670233 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1670233 | XXXX | XXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1670233 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1670233 | XXXX | XXXX | Maturity Date |  | 20550801 | Verified |
| 1670233 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified |
| 1670233 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1670233 | XXXX | XXXX | Original P&I | 1713.31 | 1707.74 | Verified |
| 1670233 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1670233 | XXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1670233 | XXXX | XXXX | QM Status |  | Non-QM | Verified |
| 1670233 | XXXX | XXXX | Qualifying DTI | 46.76000 | 0.47845 | Verified |
| 1669084 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1669084 | XXXX | XXXX | DSCR | 1.423 | 1.450 | Verified |
| 1669084 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1669084 | XXXX | XXXX | Maturity Date |  | 20550801 | Verified |
| 1669084 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1669084 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1669084 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1669084 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1668650 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1668650 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1668650 | XXXX | XXXX | Maturity Date |  | 20550801 | Verified |
| 1668650 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1668650 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1668650 | XXXX | XXXX | Property Type | Condo | Condo-Lo 1-4 Stories | Verified |
| 1668650 | XXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1668650 | XXXX | XXXX | QM Status |  | Safe Harbor QM (APOR) | Verified |
| 1668650 | XXXX | XXXX | Qualifying DTI | 50.53000 | 0.51495 | Verified |
| 1673521 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1673521 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1673521 | XXXX | XXXX | Maturity Date |  | 20550901 | Verified |
| 1673521 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1673521 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1673521 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1673521 | XXXX | XXXX | QM Status |  | Safe Harbor QM (APOR) | Verified |
| 1673521 | XXXX | XXXX | Qualifying DTI | 50.47000 | 0.50387 | Verified |
| 1669093 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1669093 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1669093 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified |
| 1669093 | XXXX | XXXX | Maturity Date |  | 20550801 | Verified |
| 1669093 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1669093 | XXXX | XXXX | Original P&I | 781.32 | 846.18 | Verified |
| 1669093 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1669093 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1669093 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1672032 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1672032 | XXXX | XXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1672032 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1672032 | XXXX | XXXX | Maturity Date |  | 20550901 | Verified |
| 1672032 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1672032 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1672032 | XXXX | XXXX | QM Status |  | Non-QM | Verified |
| 1672032 | XXXX | XXXX | Qualifying DTI | 45.16000 | 0.44765 | Verified |
| 1671311 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1671311 | XXXX | XXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1671311 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1671311 | XXXX | XXXX | Maturity Date |  | 20550901 | Verified |
| 1671311 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1671311 | XXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1671311 | XXXX | XXXX | QM Status |  | Non-QM | Verified |
| 1671311 | XXXX | XXXX | Qualifying DTI | 7.76000 | 0.07972 | Verified |
| 1639427 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1639427 | XXXX | XXXX | DSCR | 1.438 | 1.710 | Verified |
| 1639427 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1639427 | XXXX | XXXX | Maturity Date |  | 20550601 | Verified |
| 1639427 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1639427 | XXXX | XXXX | Prepayment Penalty | N | Y | Verified |
| 1639427 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1639427 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1639427 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1670336 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1670336 | XXXX | XXXX | Qualifying Credit Score | XXX |  | Verified |
| 1670336 | XXXX | XXXX | DSCR | 0.953 | 0.820 | Verified |
| 1670336 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1670336 | XXXX | XXXX | Maturity Date |  | 20550801 | Verified |
| 1670336 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1670336 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1670336 | XXXX | XXXX | Property City | XXXX | XXXX | Verified |
| 1670336 | XXXX | XXXX | Property Type | Planned Unit Development | PUD-Detached | Verified |
| 1670336 | XXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1670336 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1672321 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1672321 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1672321 | XXXX | XXXX | Maturity Date |  | 20550901 | Verified |
| 1672321 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1672321 | XXXX | XXXX | Product Code | DSCR- ITIN | DSCR-Inv | Verified |
| 1672321 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1672321 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1672321 | XXXX | XXXX | Self-Employment Flag | Y | N | Verified |
| 1670349 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1670349 | XXXX | XXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1670349 | XXXX | XXXX | DSCR | 2.089 | 2.470 | Verified |
| 1670349 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1670349 | XXXX | XXXX | Maturity Date |  | 20550801 | Verified |
| 1670349 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1670349 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1670349 | XXXX | XXXX | Prepayment Penalty | N | Y | Verified |
| 1670349 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1670349 | XXXX | XXXX | Property Type | Single Family | Three Family | Verified |
| 1670349 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1670349 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1670348 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1670348 | XXXX | XXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1670348 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1670348 | XXXX | XXXX | Maturity Date |  | 20550801 | Verified |
| 1670348 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1670348 | XXXX | XXXX | Prepayment Penalty | N | Y | Verified |
| 1670348 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1670348 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1670348 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1671417 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1671417 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified |
| 1671417 | XXXX | XXXX | DSCR | 1.390 | 1.160 | Verified |
| 1671417 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1671417 | XXXX | XXXX | Original LTV | XXXX | XXXX | Verified |
| 1671417 | XXXX | XXXX | Maturity Date |  | 20550901 | Verified |
| 1671417 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified |
| 1671417 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1671417 | XXXX | XXXX | Original P&I | 929.96 | 978.90 | Verified |
| 1671417 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1671417 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1671417 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1672138 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1672138 | XXXX | XXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1672138 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1672138 | XXXX | XXXX | Maturity Date |  | 20550901 | Verified |
| 1672138 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1672138 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1672138 | XXXX | XXXX | Product Code | AC30YrFx | Bk St- 12 mos | Verified |
| 1672138 | XXXX | XXXX | Property Type | Planned Unit Development | PUD-Detached | Verified |
| 1672138 | XXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1672138 | XXXX | XXXX | QM Status |  | Non-QM | Verified |
| 1672138 | XXXX | XXXX | Qualifying DTI | 16.44000 | 0.16829 | Verified |
| 1670344 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1670344 | XXXX | XXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1670344 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1670344 | XXXX | XXXX | Original Interest Rate | XXXX | XXXX | Verified |
| 1670344 | XXXX | XXXX | Maturity Date |  | 20550801 | Verified |
| 1670344 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1670344 | XXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1670344 | XXXX | XXXX | QM Status |  | Non-QM | Verified |
| 1670344 | XXXX | XXXX | Qualifying DTI | 48.57000 | 0.48569 | Verified |
| 1669066 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1669066 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1669066 | XXXX | XXXX | Maturity Date |  | 20550801 | Verified |
| 1669066 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1669066 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1669066 | XXXX | XXXX | Property Type | Planned Unit Development | PUD-Detached | Verified |
| 1669066 | XXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1669066 | XXXX | XXXX | QM Status |  | Safe Harbor QM (APOR) | Verified |
| 1669066 | XXXX | XXXX | Qualifying DTI | 45.61000 | 0.45619 | Verified |
| 1643208 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1643208 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1643208 | XXXX | XXXX | Maturity Date |  | 20550701 | Verified |
| 1643208 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1643208 | XXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1643208 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1671303 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1671303 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1671303 | XXXX | XXXX | Maturity Date |  | 20550901 | Verified |
| 1671303 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1671303 | XXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1671303 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1673576 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1673576 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified |
| 1673576 | XXXX | XXXX | DSCR | 1.708 | 1.690 | Verified |
| 1673576 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1673576 | XXXX | XXXX | Original LTV | XXXX | XXXX | Verified |
| 1673576 | XXXX | XXXX | Maturity Date |  | 20550901 | Verified |
| 1673576 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified |
| 1673576 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1673576 | XXXX | XXXX | Original P&I | 967.16 | 984.35 | Verified |
| 1673576 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1673576 | XXXX | XXXX | Product Code | AC30YrFx | DSCR-Inv | Verified |
| 1673576 | XXXX | XXXX | Property Type |  | Manufactured | Verified |
| 1673576 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1673576 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1669881 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1669881 | XXXX | XXXX | DSCR |  | 1.490 | Verified |
| 1669881 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1669881 | XXXX | XXXX | Maturity Date |  | 20550801 | Verified |
| 1669881 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1669881 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1669881 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1670783 | XXXX | XXXX | Amortization Type |  | Fixed | Verified |
| 1670783 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1670783 | XXXX | XXXX | Maturity Date |  | 20550901 | Verified |
| 1670783 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1670783 | XXXX | XXXX | Product Code | DSCR-Inv DTI | DSCR-Inv | Verified |
| 1670783 | XXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1670783 | XXXX | XXXX | QM Status |  | Exempt | Verified |

---

## Exhibit 99.05

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.05 - Schedule 5**

![](evolve-logo.jpg)

---

| |
|:---|
| **QM ATR Data** |
| **Run Date - 11/19/2025 2:51:55 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| 1670790 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 06/06/2025 | 7.036% | Self-Employed |  | US Citizen |  |  |  | Yes | $112929.07 |
| 1672149 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 07/14/2025 | 7.758% | Self-Employed |  | US Citizen |  |  |  | Yes | $9748.50 |
| 1670209 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 06/02/2025 | 7.729% | Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $3935.23 |
| 1673976 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $1870.00 | 07/14/2025 | 7.069% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $28148.63 |
| 1674272 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $4068.82 | 07/24/2025 | 8.235% | Self-Employed |  | Non Permanent Resident Alien | I-151 Green Card |  |  | No |  |
| 1671237 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 07/15/2025 | 7.394% | Not Required |  | US Citizen |  |  |  | No |  |
| 1671236 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $3484.10 | 07/10/2025 | 7.713% | Not Required |  | US Citizen |  |  |  | No |  |
| 1673878 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $2994.25 | 07/15/2025 | 7.315% | Self-Employed |  | US Citizen |  |  |  | Yes | $7103.07 |
| 1675228 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $5400.49 | 08/28/2025 | 7.481% | Self-Employed |  | Non Permanent Resident Alien | Other |  |  | Yes | $11503.19 |
| 1672137 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1670347 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1670274 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $6441.00 | 06/23/2025 | 7.622% | Self-Employed |  | US Citizen |  |  |  | Yes | $17084.48 |
| 1669197 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1673524 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $23276.06 |
| 1669202 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 06/17/2025 | 7.759% | Employed |  | US Citizen |  |  |  | Yes | $4371.62 |
| 1670680 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 07/22/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $10378.38 |
| 1670234 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1672028 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | Permanent Resident Alien |  | No |  |
| 1670325 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $25088.34 |
| 1670393 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $58075.00 | 07/17/2025 | 7.417% | Self-Employed |  | US Citizen |  |  |  | Yes | $50388.53 |
| 1673566 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 06/03/2025 | 8.964% | Self-Employed |  | US Citizen |  |  |  | Yes | $10415.88 |
| 1669442 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 06/04/2025 | 8.363% | Self-Employed |  | US Citizen |  |  |  | Yes | $4755.45 |
| 1673800 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $7923.15 | 08/12/2025 | 8.786% | Self-Employed |  | US Citizen |  |  |  | Yes | $14666.39 |
| 1674110 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 08/19/2025 | 7.538% | Not Required |  | US Citizen |  |  |  | No |  |
| 1641690 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $210210.65 |
| 1671244 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  | 07/14/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1675328 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1672285 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 06/02/2025 | 8.323% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1671962 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 07/30/2025 | 8.414% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $21961.95 |
| 1672155 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1673974 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $3488.48 | 08/21/2025 | 7.868% | Self-Employed |  | US Citizen |  |  |  | Yes | $9723.03 |
| 1670233 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $7750.00 | 07/16/2025 | 8.517% | Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | Yes | $2739.38 |
| 1669084 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 1668650 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $5082.50 | 06/13/2025 | 7.639% | Self-Employed |  | US Citizen |  |  |  | Yes | $3422.46 |
| 1673521 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $2560.63 | 08/05/2025 | 7.56% | Retired |  | US Citizen |  |  |  | Yes | $1538.84 |
| 1669093 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1670596 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1672032 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $8246.25 | 07/08/2025 | 7.654% | Self-Employed | Not Required | Non Permanent Resident Alien | ITIN IRS Letter | Non Permanent Resident Alien | ITIN Card | Yes | $8467.23 |
| 1671463 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $13360.00 | 07/22/2025 | 8.189% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $15266.00 |
| 1670794 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1671488 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| 1670329 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1671311 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 07/23/2025 | 7.198% | Self-Employed |  | US Citizen |  |  |  | Yes | $91421.18 |
| 1671641 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1673520 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 07/30/2025 | 7.62% | Self-Employed |  | US Citizen |  |  |  | Yes | $24391.44 |
| 1674973 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1674641 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1639427 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1670336 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| 1672321 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1670349 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 1670348 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 1671417 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1672138 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $0.00 | 07/29/2025 | 9.101% | Self-Employed | Self-Employed | Non Permanent Resident Alien | ITIN Card | Non Permanent Resident Alien | ITIN Card | Yes | $23142.09 |
| 1675004 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | Other |  |  | No |  |
| 1670344 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $15203.04 | 06/26/2025 | 7.271% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | $8101.46 |
| 1669066 | XXXX | XXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXX | No | No | $0.00 | 06/20/2025 | 7.315% | Not Required |  | US Citizen |  |  |  | Yes | $21059.25 |
| 1643208 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1671303 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1673576 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1669267 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1669881 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1670783 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1672294 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  | 08/06/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1672293 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  | 08/06/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1672324 | XXXX | XXXX | Non-QM | N/A | No | XXXX | No | No | $11408.96 | 07/21/2025 | 7.581% | Self-Employed |  | US Citizen |  |  |  | No |  |

---

## Exhibit 99.05

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.05 - Schedule 6**

![](evolve-logo.jpg)

---

| |
|:---|
| **Business Purpose Data** |
| **Run Date - 11/19/2025 2:51:55 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Source for Property DTI Calculation** | **Short Term Rental** | **STR Source** | **STR Amount** | **Property DTI** | **Investor DTI** | **Value Used for DSCR Calc** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Is Lease Month To Month** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Actual Loss 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** | **Months Reserves** | **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 First Name** | **Borrower 1 Last Name** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Personal Guarantee** | **Personal Guaranty Recourse Level** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Experian FICO** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Trans Union FICO** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Experian FICO** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Trans Union FICO** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **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** | **Borrower Entity Type** | **Name of Borrowing Entity** | **Default Rate Clause** | **Default Rate** | **EIN Number** |
| 1672137 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Investor NOO | 20250321 | Debt Service Coverage | Yes | Yes | $2000.00 | $1900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1900 | 1.59 | 1.59 | $1196.07 | 20260815 | 12 | No | Yes | $13800.00 |  | NO | $0.00 | $124.76 | $110.59 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 51 | 5.3 | US Citizen |  | 708 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 708 | 723 | 677 |  |  |  |  |  |  |  |  | Not Required |  | 20250630 |  | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | FALSE |  | XXXX |
| 1670347 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Investor NOO | 20250321 | Debt Service Coverage | Yes | No | $0.00 | $1650.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1650 | 1.48 | 1.48 | $1115.73 |  |  |  | Yes | $31900.00 |  | NO | $0.00 | $259.99 | $104.94 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 50 | 23 | US Citizen | US Citizen | 757 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | 20250611 | XXXX | $XXXX | 1 | XXXX | XXXX | 2 | 1.1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1669197 | XXXX | XXXX |  | XXXX | XXXX | AC30YrFx Citadel Non Conforming 30 | 20250321 | Debt Service Coverage | Yes | No | $0.00 | $2400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2400 | 1.32 | 1.32 | $1815.71 |  |  |  | Yes | $11500.00 |  | YES | $845.00 | $43.41 | $228.09 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 14 | 16 | US Citizen |  | 759 | 0 | 0 |  |  | 1 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250515 | XXXX | $XXXX | 1 | XXXX | XXXX | 2 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1673524 | XXXX | XXXX |  | XXXX | XXXX | Bank Statement - 12 months | 20250321 | Bank Statement | Yes | Yes | $830.00 | $1100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 29.115 |  | 0 |  |  | $1094.99 | 20251001 | 12 | No | No |  |  | YES | $40.00 | $192.41 | $120.08 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 66 | 10 | US Citizen |  | 668 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250523 | XXXX | $XXXX | 1 | XXXX | XXXX | 2 | 2 | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1670234 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Investor NOO | 20250321 | Debt Service Coverage | Yes | Yes | $1500.00 | $2100.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1500 | 1.33 | 1.33 | $1127.47 | 20250601 | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $224.63 | $229.12 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 78 | 2 | US Citizen |  | 696 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250630 |  | $XXXX | 1 | XXXX | XXXX | 4 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1672028 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Investor NOO | 20250321 | Debt Service Coverage | Yes | No | $0.00 | $2625.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2625 | 1 | 1 | $2624.27 |  |  |  | Yes | $40000.00 |  | YES | $207.00 | $273.00 | $117.64 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 10 | 4.9 | US Citizen | Permanent Resident Alien | 708 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | 20250701 | XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 3 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1670325 | XXXX | XXXX |  | XXXX | XXXX | Bank Statement - 12 months | 20250321 | Bank Statement | Yes | Yes | $4600.00 | $4900.00 | FNMA 1007/216 | Leases | No |  | 0 | 35.529 |  | 0 |  |  | $5247.66 | 20260115 | 12 | No | No |  |  | NO | $0.00 | $702.93 | $85.63 | Stated, Verified | NO | 1 | 8 |  | No | No | Experienced | 24 | 2.8 | US Citizen |  | 692 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250701 |  | $XXXX | 2 | XXXX | XXXX | 6 | 4.2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1641690 | XXXX | XXXX |  | XXXX | XXXX | AC30YrFx Citadel Non Conforming 30 | 20250321 | Bank Statement | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 15.083 |  | 0 |  |  | $2354.17 |  |  |  | Yes | $26940.00 |  | NO | $0.00 | $129.07 | $107.90 | Stated, Verified | NO | 1 | 9 |  | No | No | Experienced | 333 | 1 | US Citizen |  | 728 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250424 | XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1671244 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Investor NOO | 20250321 | Full | Yes | No | $0.00 | $5000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 29.625 |  | 0 | 0 | 0 | $9673.79 |  |  |  | Yes | $100000.00 |  | NO | $0.00 | $1364.58 | $1523.33 | Stated, Verified | NO | 1 | 21 |  | No | No | Experienced | 113 | 0.9 | US Citizen |  | 738 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250609 | XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 2.1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1675328 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Investor NOO | 20250321 | Debt Service Coverage | Yes | Yes | $2800.00 | $2800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2800 | 1.01 | 1.01 | $2760.63 | 20260601 | 12 | No | Yes | $24400.00 |  | NO | $0.00 | $194.32 | $462.48 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 105 | 3.9 | US Citizen | US Citizen | 726 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | 20250717 |  | $XXXX | 1 | XXXX | XXXX | 4 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1672155 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Investor NOO | 20250321 | Debt Service Coverage | Yes | Yes | $2200.00 | $2400.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2200 | 1.09 | 1.09 | $2025.69 | 20260731 | 12 | No | Yes | $21800.00 |  | YES | $20.83 | $438.12 | $121.50 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 75 | 5 | US Citizen |  | 807 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250708 |  | $XXXX | 1 | XXXX | XXXX | 4 | 2.1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1669084 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Investor NOO | 20250321 | Debt Service Coverage | Yes | Yes | $3000.00 | $3250.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 3000 | 1.45 | 1.45 | $2068.73 | 20251101 | 12 | No | Yes | $76440.00 |  | NO | $0.00 | $622.03 | $132.84 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 2 | 3 | Permanent Resident Alien |  | 713 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250509 |  | $XXXX | 1 | XXXX | XXXX | 4 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1669093 | XXXX | XXXX |  | XXXX | XXXX | AC30YrFx Citadel Non Conforming 30 | 20250321 | Debt Service Coverage | Yes | Yes | $1500.00 | $1350.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1500 | 1.26 | 1.26 | $1253.31 | 20260630 | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $277.16 | $129.97 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 73 | 7 | US Citizen |  | 654 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250410 |  | $XXXX | 1 | XXXX | XXXX | 3 | 1 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1670596 | XXXX | XXXX |  | XXXX | XXXX | AL Non-Prime DSCR AA 30yr Fixed w/ 5% PPP | 20250321 | Debt Service Coverage | Yes | No | $0.00 | $5665.00 |  | 1025 | No |  | 0 |  |  | 5665 | 1.1 | 1.1 | $5151.26 |  |  |  | Yes | $70000.00 |  | NO | $0.00 | $1096.67 | $132.08 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 40 | 2 | US Citizen |  | 726 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 738 | 723 | 726 |  |  |  |  |  |  |  |  | Not Required |  | 20250324 |  | $XXXX | 2 | XXXX | XXXX | 5 | 3 | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | FALSE |  |  |
| 1670794 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Foreign National | 20250321 | Debt Service Coverage | Yes | No | $0.00 | $1975.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1975 | 1.11 | 1.11 | $1774.58 |  |  |  | Yes | $31378.00 |  | YES | $50.33 | $324.94 | $72.83 | Stated, Verified | NO | 1 | 1 |  | Yes | No | Inexperienced | 122 | 8 | Non Permanent Resident Alien |  | 700 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250629 | XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C1 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1671488 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Foreign National | 20250321 | Debt Service Coverage | Yes | No | $0.00 | $2700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2700 | 1 | 1 | $2689.87 |  |  |  | Yes | $37000.00 |  | YES | $153.00 | $541.78 | $65.45 | Stated, Verified | NO | 1 | 1 |  | Yes | Yes | Inexperienced | 2 | 4 | Non Permanent Resident Alien | Non Permanent Resident Alien |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | 20250703 | XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 2.1 | C1 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1670329 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Investor NOO | 20250321 | Debt Service Coverage | Yes | No | $0.00 | $4600.00 |  | FNMA 1007/216 | No | 1007/216 | 4600 |  |  | 4600 | 1.76 | 1.76 | $2620.10 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $102.29 | $238.58 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 2 | 7.9 | US Citizen |  | 786 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 812 | 786 | 773 |  |  |  |  |  |  |  |  | Not Required |  | 20250628 | XXXX | $XXXX | 1 | XXXX | XXXX | 2 | 1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | FALSE |  | XXXX |
| 1671641 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Foreign National | 20250321 | Debt Service Coverage | Yes | No | $0.00 | $1750.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1750 | 1.24 | 1.24 | $1411.49 |  |  |  | Yes | $22900.00 |  | NO | $0.00 | $176.67 | $147.92 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 11 | 3 | Non Permanent Resident Alien |  | 661 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250723 |  | $XXXX | 1 | XXXX | XXXX | 4 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1674973 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Investor NOO | 20250321 | Debt Service Coverage | Yes | No | $0.00 | $3150.00 |  | 1025 | No |  | 0 |  |  | 3150 | 1.78 | 1.78 | $1769.58 |  |  |  | Yes | $40000.00 |  | NO | $0.00 | $213.53 | $244.93 | Stated, Verified | NO | 1 | 8 |  | No | No | Experienced | 91 | 14 | US Citizen |  | 695 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250722 |  | $XXXX | 3 | XXXX | XXXX | 5 | 3 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1674641 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Investor NOO | 20250321 | Debt Service Coverage | Yes | No | $0.00 | $2350.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2350 | 1.54 | 1.54 | $1523.72 |  |  |  | Yes | $28200.00 |  | NO | $0.00 | $137.01 | $89.17 | Stated, Verified | NO | 1 | 8 |  | No | No | Experienced | 104 | 14 | US Citizen |  | 695 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250801 |  | $XXXX | 2 | XXXX | XXXX | 5 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1639427 | XXXX | XXXX |  | XXXX | XXXX | AC30YrFx Citadel Non Conforming 30 | 20250321 | Debt Service Coverage | Yes | No | $0.00 | $1900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1900 | 1.71 | 1.71 | $1112.58 |  |  |  | Yes | $32000.00 |  | NO | $0.00 | $187.22 | $166.25 | Stated, Verified | NO | 1 | 1 |  | Yes | No | Experienced | 126 | 2.1 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  |  |  |  |  |  |  |  |  | Not Required | Not Required | 20250211 |  | $XXXX | 1 | XXXX | XXXX | 4 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | TRUE | 18 | XXXX |
| 1670336 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Foreign National | 20250321 | Debt Service Coverage | Yes | No | $0.00 | $2250.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2250 | 0.82 | 0.82 | $2727.37 |  |  |  | Yes | $34934.00 |  | YES | $41.67 | $635.83 | $74.83 | Stated, Verified | NO | 1 | 1 |  | Yes | Yes | Inexperienced | 50 | 8 | Non Permanent Resident Alien | Non Permanent Resident Alien |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | 20250630 | XXXX | $XXXX | 1 | XXXX | XXXX | 4 | 2.1 | C1 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1672321 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Investor NOO | 20250321 | Debt Service Coverage | Yes | Yes | $2100.00 | $2300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2300 | 1.18 | 1.18 | $1950.06 | 20260630 | 24 | No | Yes | $0.00 | Yes | NO | $0.00 | $470.88 | $86.83 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 18 | 2 | Non Permanent Resident Alien |  | 763 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250529 |  | $XXXX | 1 | XXXX | XXXX | 3 | 1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1670349 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Investor NOO | 20250321 | Debt Service Coverage | Yes | Yes | $3290.00 | $3000.00 |  | 1025 | No |  | 0 |  |  | 3000 | 2.47 | 2.47 | $1213.11 | 20241001 | 1 | Yes | Yes | $40000.00 |  | NO | $0.00 | $247.23 | $222.31 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 37 | 3 | Permanent Resident Alien |  | 741 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250523 |  | $XXXX | 3 | XXXX | XXXX | 7 | 3 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1670348 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Investor NOO | 20250321 | Debt Service Coverage | Yes | Yes | $3900.00 | $5600.00 |  | Leases | No |  | 0 |  |  | 3900 | 1.62 | 1.62 | $2404.71 | 20251201 | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $286.46 | $142.92 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 35 | 3 | Permanent Resident Alien |  | 741 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250523 |  | $XXXX | 3 | XXXX | XXXX | 8 | 3 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1671417 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Investor NOO | 20250321 | Debt Service Coverage | Yes | Yes | $1600.00 | $1600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1600 | 1.16 | 1.16 | $1377.29 | 20251201 | 12 | No | Yes | $21500.00 |  | NO | $0.00 | $230.15 | $168.24 | Stated, Not Verified | NO | 1 | 4 |  | No | No | Experienced | 8 | 20 | US Citizen |  | 729 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Not Verified | 751 | 729 | 723 |  |  |  |  |  |  |  |  | Not Required |  | 20250716 |  | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | FALSE |  | XXXX |
| 1675004 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Investor NOO | 20250321 | Debt Service Coverage | Yes | No | $0.00 | $3300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3300 | 1.11 | 1.11 | $2985.22 |  |  |  | Yes | $19800.00 |  | YES | $676.00 | $339.73 | $45.75 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 71 | 6 | Non Permanent Resident Alien |  | 767 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXX | Primary | Primary | XXXX | XXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250731 |  | $XXXX | 1 | XXXX | XXXX | 2 | 1.1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1643208 | XXXX | XXXX |  | XXXX | XXXX | AC30YrFx Citadel Non Conforming 30 | 20250321 | Debt Service Coverage | Yes | Yes | $1500.00 | $1500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1500 | 1.11 | 1.11 | $1356.40 | 20241231 | 12 | No | Yes | $16800.00 |  | NO | $0.00 | $114.36 | $134.80 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 617 | 5 | US Citizen |  | 738 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250514 | XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1671303 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Investor NOO | 20250321 | Debt Service Coverage | Yes | No | $0.00 | $1200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1200 | 1.06 | 1.06 | $1134.87 |  |  |  | Yes | $21000.00 |  | NO | $0.00 | $162.50 | $135.56 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 11 | 6.9 | US Citizen | US Citizen | 698 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | 20250709 | XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 1.1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1673576 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Investor NOO | 20250321 | Debt Service Coverage | Yes | No | $0.00 | $1900.00 | FNMA 1007/216 | Short Term Rental Documents | Yes | AirBNB | 2320 |  |  | 2320 | 1.69 | 1.69 | $1375.76 |  |  |  | Yes | $13740.00 |  | NO | $0.00 | $211.16 | $180.25 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 18 | 23 | US Citizen |  | 758 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250715 |  | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1669267 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Investor NOO | 20250321 | Debt Service Coverage | Yes | No | $0.00 | $3100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3100 | 1.01 | 1.01 | $3072.21 |  |  |  | Yes | $30000.00 |  | YES | $12.00 | $740.92 | $222.41 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 63 | 2 | US Citizen |  | 733 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250609 | XXXX | $XXXX | 1 | XXXX | XXXX | 4 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1669881 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Investor NOO | 20250321 | Debt Service Coverage | Yes | No | $0.00 | $1400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1400 | 1.49 | 1.49 | $942.08 |  |  |  | Yes | $13000.00 |  | NO | $0.00 | $156.07 | $95.33 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 45 | 6.9 | US Citizen | US Citizen | 793 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | 20250626 |  | $XXXX | 1 | XXXX | XXXX | 2 | 1.1 | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1670783 | XXXX | XXXX |  | XXXX | XXXX | DSCR- Investor NOO | 20250321 | Debt Service Coverage | Yes | No | $0.00 | $5915.00 |  | Short Term Rental Documents | Yes | Appraiser STR Analysis | 5915 |  |  | 5915 | 2.38 | 2.38 | $2481.32 |  |  |  | Yes | $59800.00 |  | NO | $0.00 | $152.78 | $206.17 | Stated, Verified | NO | 1 | 16 |  | No | No | Experienced | 15 | 6 | US Citizen |  | 713 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250703 | XXXX | $XXXX | 1 | XXXX | XXXX | 4 | 3 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1672294 | XXXX | XXXX |  | XXXX | XXXX | Full Doc | 20250321 | Debt Service Coverage | Yes | No | $0.00 | $1900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1900 | 1.15 | 1.15 | $1650.77 |  |  |  | No |  |  | YES | $424.00 | $204.03 | $29.50 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 62 | 10 | US Citizen |  | 656 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250730 |  | $XXXX | 1 | XXXX | XXXX | 2 | 1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1672293 | XXXX | XXXX |  | XXXX | XXXX | Full Doc | 20250321 | Debt Service Coverage | Yes | No | $0.00 | $1900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1900 | 1.15 | 1.15 | $1649.56 |  |  |  | Yes | $25000.00 |  | YES | $424.00 | $202.82 | $29.50 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 63 | 10 | US Citizen |  | 656 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250731 |  | $XXXX | 1 | XXXX | XXXX | 2 | 1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |

---

## Exhibit 99.05

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.05 - Schedule 7**

![](evolve-logo.jpg)

---

| |
|:---|
| **Additional Data** |
| **Run Date - 11/19/2025 2:51:55 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **TILA Status** | **Application Date** | **TRID** | **GSE Eligible** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Qualifying P&I** | **PITIA** | **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 Borrower 4 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** | **Co Borrower 4 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Residual Income** | **Num Units** | **Flood Cert Number** | **FEMA Flood Zone** | **Annual Property Tax** | **Annual 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** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Forth Wage Earner Updated FICO Equifax** | **Forth Wage Earner Updated FICO Experian** | **Forth 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 4 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 4 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Co Borrower 4 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** | **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** | **Loan Program Date** | **QM Regulation Failures** | **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 Wavier (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Is Equity Shared Loan** | **Title Interest Type** | **Title Held** | **Loan Doc Type** | **PITIA on Other Financed Properties** | **Credit Score Model Name** | **Maturity Date** | **Qualification Method Other Description** | **Index Type Other Description** | **Most Recent 24 Month Pay History** | **Line Utilization** | **Payment History As Of Date** | **Is Line Still Open** | **Property Value Trends** | **Were C/O proceeds included in reserves** | **Borrower Doc Type** | **Co Borrower 2 Doc Type** | **Co Borrower 3 Doc Type** | **Co Borrower 4 Doc Type** | **Reserves in Months** | **Months WVOE** | **ITIN Indicator** | **Condo Warrantable** | **Default Rate Clause** | **Default Rate** | **Borrower 3 FICO** | **Borrower 4 FICO** | **Borrower 3 Residency Status** | **Borrower 4 Residency Status** | **Buydown** | **Buydown Type** | **Buydown Term** |
| 1670790 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $1740.00 | $4745.16 | 20250606 | 7.036% | $8781.99 | $9962.48 | 7.00% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $112929.07 | 1 |  | D | $11196.84 | $2969.04 |  |  |  |  |  | 34.718% |  | 34.718% | 20250428 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 05/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 07/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 05/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 06/2024-05/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Bank Statement - 12 months | XXXX | 20250321 |  | $0.00 |  |  | 5100 | 2.5 |  | No |  | N/A | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | 20550801 |  |  | XXXX |  |  |  | Stable | Yes | Alternative Doc |  |  |  | 43 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1672149 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $5584.60 | $8638.64 | 20250714 | 7.758% | $4813.00 | $5860.50 | 7.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $9748.50 | 1 |  | X | $10003.92 | $2566.08 |  |  |  |  |  | 48.421% |  | 48.421% | 20250711 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  | Third Party Prepared(unaudited) | [Borrower - Primary Income - S-Corp] P&L Statement - 07/01/2024-06/30/2025;<br> [Borrower - Primary Income - S-Corp] CPA Letter - 06/30/2025;<br> [Borrower - Primary Income - S-Corp] Secretary of State (SOS) - 07/21/2025;<br> [Borrower - Primary Income - S-Corp] VVOE - 08/14/2025;<br> [Borrower - Primary Income - S-Corp] Bank Statements - Business - 05/2025-07/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | P&L 12 Months CPA prepared 30yr fixed | XXXX | 20250321 |  | $0.00 |  |  | 1658 | 3.3 |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | No | 0 |  |  | No | Fee Simple | Individual(s) | P&L |  | FICO Risk Score Classic 04 | 20550901 |  |  | XXXX |  |  |  |  | No | Alternative Doc |  |  |  | 11 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1670209 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $5961.32 | $7427.98 | 20250602 | 7.729% | $1768.13 | $2784.77 | 7.38% | No | No | Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $3935.23 | 1 |  | X | $8457.72 | $3042.00 |  |  |  |  |  | 46.965% |  | 46.965% | 20250424 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 03/23/2025-04/19/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] WVOE - 06/04/2025 - 30 months;<br> [Borrower - Primary Income - Wages] VVOE - 07/18/2025;<br> [Borrower - Primary Income - Wages] VVOE - 07/08/2025;<br> [Borrower - Primary Income - Wages] VVOE - 07/18/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Full Doc | XXXX | 20250321 |  | $0.00 |  |  | 121767.65 |  |  | No |  | N/A | 7.375 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | 20550801 |  |  | XXXX |  |  |  | Stable | No | Full | Full |  |  | 2 | 30 | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1673976 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $1870.00 | $5274.67 | 20250714 | 7.069% | $5295.81 | $6036.76 | 7.00% | Yes | Yes | Employed | Employed | Employed |  |  | 2023-09-25T00:00:00 |  | No | No | No |  |  |  |  | $28148.63 | 1 |  | X | $6357.60 | $2533.80 |  |  |  |  |  | 46.411% |  | 46.411% | 20250702 | 790 | 790 | 800 | 746 |  |  |  |  |  |  |  |  |  |  |  |  | Stated, Verified |  |  | Stated, Level 5 Verified |  |  | Stated, level 3 Verified |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 06/2025 3 months;<br> [Borrower - Primary Income - Wages] Paystubs - 03/2025 2 months;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] VVOE - 07/2025;<br> [Borrower - Primary Income - Wages] Work Number - 07/2025 27 months;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 06/2025 4 months;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 07/2025;<br> [Co Borrower 1 - Primary Income - Wages] Employer Letter - 01/2025;<br> [Co Borrower 2 - Primary Income - Wages] Paystubs - 06/2025;<br> [Co Borrower 2 - Primary Income - Wages] Paystubs - 07/2025 6 months;<br> [Co Borrower 2 - Primary Income - Wages] Work Number - 07/2025;<br> [Co Borrower 2 - Primary Income - Wages] Work Number - 07/2025 21 months ;<br> [Co Borrower 2 - Primary Income - Wages] Employer Letter - 08/2023;<br> [Co Borrower 2 - Primary Income - Wages] Bank Statements - Personal - 02/2025-05/202515/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Full Doc | XXXX | 20250321 |  | $1870.00 |  |  | 123776.55 | 3.1 |  | No |  | N/A | 7 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Trust | Full |  | Equifax Beacon 5 | 20550801 |  |  | XXXX |  |  |  | Stable | No | Full | Full | Full |  | 289 | 27 | No |  | FALSE |  | 790 |  |  |  |  |  |  |
| 1674272 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $4068.82 | $5001.20 | 20250724 | 8.235% | $795.22 | $1213.64 | 7.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $1321.36 | 1 |  | X | $2181.96 | $2839.08 |  |  |  |  |  | 49.022% |  | 49.022% | 20250804 | 668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 07/2024-06/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 07/31/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 07/23/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 08/22/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Bank Statement - 12 months | XXXX | 20250321 |  | $4068.82 |  |  | 0 | 3.2 |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | 20550901 |  |  | XXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 34 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1671237 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $2259.48 | $4151.16 | 20250715 | 7.394% | $1437.72 | $2075.55 | 7.13% | No | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $2423.89 | 1 |  | X | $5127.96 | $2526.00 |  |  |  |  |  | 46.604% |  | 46.604% | 20250709 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 4/1/2025-5/31/2025-2 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Non Prime Primary 30 Year Fixed | XXXX | 20250321 |  | $0.00 |  |  | 1150 | 1 |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Asset Depletion |  | Experian Fair Isaac Model 2 | 20550901 |  |  | XXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 295 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1671236 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $3484.10 | $5081.28 | 20250710 | 7.713% | $1329.55 | $1638.68 | 7.38% | No | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$1638.68 | 1 |  | X | $1826.52 | $1883.04 |  |  |  |  |  |  |  |  | 20250731 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Ability to Repay in Full/Asset depletion | XXXX | 20250321 |  | $3484.10 |  |  | 5171.25 | 1 |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Asset Depletion |  | FICO Risk Score Classic 04 | 20550901 |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 360 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1673878 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $2994.25 | $4505.64 | 20250715 | 7.315% | $2122.21 | $2880.78 | 7.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $7103.07 | 1 |  | X | $6401.88 | $792.96 | XXXX | MD | $159.00 |  | Monthly | 38.767% |  | 38.767% | 20250714 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  | Third Party Prepared(unaudited) | [Borrower - Primary Income - Sole Proprietor] Self-Employment Questionnaire (SEQ) - 08/2025;<br> [Borrower - Primary Income - Sole Proprietor] P&L Statement - 07/2025 12 months;<br> [Borrower - Primary Income - Sole Proprietor] CPA Letter - 08/2025;<br> [Borrower - Primary Income - Sole Proprietor] Secretary of State (SOS) - 08/2025;<br> [Borrower - Primary Income - Sole Proprietor] VVOE - 08/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Full Doc | XXXX | 20250321 |  | $2994.25 |  |  | 0 | 1 |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | No |  |  |  | No | Fee Simple | Individual(s) | P&L |  | Equifax Beacon 5 | 20550901 |  |  | XXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 0 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1675228 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $5400.49 | $8362.69 | 20250828 | 7.481% | $2912.89 | $3471.81 | 7.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $11503.19 | 1 |  | X | $4161.96 | $1381.08 | XXXX | VA | $97.00 |  | Monthly | 23.312% |  | 23.312% | 20250825 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  | Third Party Prepared(unaudited) | [Borrower - Primary Income - Sole Proprietor] P&L Statement - 07/2025 12 months;<br> [Borrower - Primary Income - Sole Proprietor] Bank Statements - Business - 05/2025-08/2025;<br> [Borrower - Primary Income - Sole Proprietor] Other - 08/2025;<br> [Borrower - Primary Income - Sole Proprietor] Telephone Listing / Internet Search / Directory Assistance - 08/2025;<br> [Borrower - Primary Income - Sole Proprietor] Business License/Validation - 08/2026;<br> [Borrower - Primary Income - Sole Proprietor] CPA Letter - 08/2025;<br> [Borrower - Primary Income - Sole Proprietor] VVOE - 09/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | P&L 12 Months CPA prepared 30yr fixed | XXXX | 20250321 |  | $5400.49 |  |  | 18300 | 1 |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | No |  |  |  | No | Fee Simple | Individual(s) | P&L |  | Equifax Beacon 5 | 20551001 |  |  | XXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 48 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1672137 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $960.72 | $1196.07 | 7.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $1497.12 | $1327.08 |  |  |  |  |  |  |  |  | 20250722 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX | 20250321 |  |  |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.59 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | 20550901 |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 51 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1670347 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $750.80 | $1115.73 | 7.75% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $3119.88 | $1259.28 |  |  |  |  |  |  |  |  | 20250610 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX | 20250321 |  | $0.00 |  |  | 0 | 1.2 |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.48 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | 20550801 |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 50 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1670274 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6441.00 | $7170.95 | 20250623 | 7.622% | $2072.03 | $2809.29 | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $17084.48 | 1 |  | X | $6348.12 | $2499.00 |  |  |  |  |  | 29.152% |  | 29.152% | 20250716 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 05/2024-04/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 07/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 07/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 03/2010;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 05/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 05/2024-04/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 05/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 10/2016;<br> [Borrower - Non-Primary Income - Bank Statements] Bank Statements - Business - 05/2024-04/2025 12 months;<br> [Borrower - Non-Primary Income - Bank Statements] Secretary of State (SOS) - 05/2025;<br> [Borrower - Non-Primary Income - Bank Statements] Business License/Validation - 04/2023; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Bank Statement - 12 months | XXXX | 20250321 |  | $6441.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | 20550801 |  |  | XXXX |  |  |  | Declining | Yes | Alternative Doc |  |  |  | 104 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1669197 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $699.21 | $1815.71 | 7.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$2427.47 | 1 |  | AE | $520.92 | $2737.08 | XXXX | FL | $845.00 |  | Monthly |  |  |  | 20250514 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | AC30YrFx Citadel Non Conforming 30 | XXXX | 20250321 |  |  |  |  | 0 | 1.4 |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.32 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | 20550801 |  |  | XXXX |  |  |  | Declining | No |  |  |  |  | 14 |  | No | Yes | FALSE |  |  |  |  |  |  |  |  |
| 1673524 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $742.50 | $1094.99 | 8.13% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $23276.06 | 1 |  | B | $2308.92 | $1440.96 | XXXX | TX | $40.00 |  | Monthly | 29.115% |  |  | 20250819 | 668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 08/2024-07/2025 - Wells Fargp;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 08/2024-07/2025 - Security Sevings FCU;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 06/25/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Bank Statement - 12 months | XXXX | 20250321 |  |  |  |  | 0 | 1.5 |  | No |  | N/A | 8.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  |  | 20550901 |  |  | XXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 66 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1669202 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No |  |  | 20250617 | 7.759% | $736.75 | $1836.18 | 7.25% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4371.62 | 1 |  | X | $2841.12 | $620.04 | XXXX | PA | $811.00 |  | Monthly | 35.377% | 35.377 |  | 20250626 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] WVOE - 06/2025 29 months;<br> [Borrower - Primary Income - Wages] Paystubs - 01/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 05/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Non-Primary Income - Social Security] Award Letter / Continuance Letter - 01/2025;<br> [Borrower - Non-Primary Income - Social Security] Award Letter / Continuance Letter - 07/2025;<br> [Borrower - Non-Primary Income - Social Security] Bank Statements - Personal - 04/2025-05/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Full Doc | XXXX | 20250321 |  | $0.00 |  |  | 4050 | 1 |  | No |  | N/A | 7.25 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | 20550801 |  |  | XXXX |  |  |  | Stable | No | Full |  |  |  | 12 | 29 | No | No | FALSE |  |  |  |  |  |  |  |  |
| 1670680 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $1600.00 | $7949.23 | 20250722 | 0.00% | $5553.05 | $6581.77 | 9.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $10378.38 | 1 |  | X | $10164.60 | $2180.04 |  |  |  |  |  | 40.851% |  | 40.851% | 20250626 | 656 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 0% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 06/2024-05/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 07/24/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 07/24/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 5 | 0 | 0 |  | Bank Statement - 12 months | XXXX | 20250321 |  | $0.00 |  |  | 0 | 1.4 |  | No |  | N/A | 9.125 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  |  | 20550901 |  |  | 000000001000000101001100 |  |  |  | Declining | No | Alternative Doc |  |  |  | 16 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1670234 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $673.72 | $1127.47 | 7.13% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | x | $2695.56 | $2749.44 |  |  |  |  |  |  |  |  | 20250603 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX | 20250321 |  | $0.00 |  |  | 0 | 1 |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.33 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | 20550801 |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 78 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1672028 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2026.63 | $2624.27 | 6.88% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $3276.00 | $1411.68 | XXXX | FL | $207.00 |  | Monthly |  |  |  | 20250718 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX | 20250321 |  |  |  |  | 0 | 1 |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | 20550901 |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 10 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1670325 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $4459.10 | $5247.66 | 7.63% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $25088.34 | 2 |  | X | $8435.16 | $1027.56 |  |  |  |  |  | 35.529% |  |  | 20250724 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 06/2024-05/2025 12 month;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 07/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 06/2024-05/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 07/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 06/2024-05/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 07/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Bank Statement - 12 months | XXXX | 20250321 |  |  |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | 20550801 |  |  | XXXX |  |  |  | Increasing | No | Alternative Doc |  |  |  | 24 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1670393 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $58075.00 | $64372.58 | 20250717 | 7.417% | $27287.05 | $31214.26 | 7.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $50388.53 | 1 |  | X | $24329.52 | $14313.00 | XXXX | NV | $707.00 |  | Monthly | 48.978% |  | 48.978% | 20250613 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 10% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 07/2024-06/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 07/2025;<br> [Borrower - Primary Income - Bank Statements] 1099 - 2024;<br> [Borrower - Primary Income - Bank Statements] 1099 - 2024;<br> [Borrower - Primary Income - Bank Statements] 1099 - 2023; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Bank Statement - 12 months | XXXX | 20250321 |  | $58075.00 |  |  | 1576888.51 | 1.1 |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | 20550801 |  |  | XXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 18 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1673566 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $3265.00 | $7928.97 | 20250603 | 8.964% | $3272.67 | $4289.17 | 8.75% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $10415.88 | 1 |  | X | $9567.96 | $2630.04 |  |  |  |  |  | 48.836% |  | 48.836% | 20250530 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 40% | 50% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 06/2024-05/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 04/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 06/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 06/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 06/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 04/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Bank Statement - 12 months | XXXX | 20250321 |  | $0.00 |  |  | 0 | 3.8 |  | No |  | N/A | 8.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | 20550701 |  |  | XXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 2 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1669442 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $6694.10 | $8466.00 | 20250604 | 8.363% | $1548.02 | $1928.55 | 7.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4755.45 | 1 |  | X | $1771.92 | $2794.44 |  |  |  |  |  | 44.685% |  | 44.685% | 20250604 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  | [Borrower - Primary Income - S-Corp] P&L Statement - 05/2024-04/2025;<br> [Borrower - Primary Income - S-Corp] CPA Letter - 06/05/2025;<br> [Borrower - Primary Income - S-Corp] CPA Letter - 05/20/2025;<br> [Borrower - Primary Income - S-Corp] Self-Employment Questionnaire (SEQ) - 05/20/2025;<br> [Borrower - Primary Income - S-Corp] VVOE - 07/09/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | P&L 12 Months CPA prepared 30yr fixed | XXXX | 20250321 |  | $0.00 |  |  | 171.25 | 1 |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | No |  |  |  | No | Fee Simple | Individual(s) | P&L |  | Equifax Beacon 5 | 20550801 |  |  | XXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 101 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1673800 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7923.15 | $13121.57 | 20250812 | 8.786% | $7699.26 | $9114.61 | 8.63% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $14666.39 | 1 |  | X | $14229.96 | $2754.24 |  |  |  |  |  | 40.115% |  | 40.115% | 20250721 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 35% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 05/2024-06/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 08/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 07/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 08/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 08/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Bank Statement - 12 months | XXXX | 20250321 |  | $7923.15 |  |  | 107266.04 | 1 |  | No |  | N/A | 8.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | 20550901 |  |  | XXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 8 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1674110 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $2795.00 | $4114.86 | 20250819 | 7.538% | $8250.73 | $10803.90 | 7.50% | No | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$21082.90 | 1 |  | AE | $16213.08 | $14424.96 |  |  |  |  |  |  |  |  | 20250730 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Ability to Repay in Full/Asset depletion | XXXX | 20250321 |  | $0.00 |  |  | 171.25 | 1.1 |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Depletion |  | Experian Fair Isaac Model 2 | 20550901 |  |  | XXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 17 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1641690 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2117.20 | $2354.17 | 7.88% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $210210.65 | 1 |  | X | $1548.84 | $1294.80 |  |  |  |  |  | 15.083% |  |  | 20250411 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 50% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 05/2024-04/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 05/29/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 06/02/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | AC30YrFx Citadel Non Conforming 30 | XXXX | 20250321 |  |  |  |  | 0 | 1 |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  |  | 20550701 |  |  | XXXX |  |  |  | Increasing | No | Alternative Doc |  |  |  | 333 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1671244 | XXXX | XXXX | Exempt | XXXX | No | No |  |  | 20250714 | 0.00% | $6785.88 | $9673.79 | 7.38% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $84240.05 | 1 |  | X | $16374.96 | $18279.96 |  |  |  |  |  | 29.625% |  |  | 20250715 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  | [Borrower - Primary Income - S-Corp] Paystubs - 06/02/2025-06/29/2025 - 5 of 11 Entities;<br> [Borrower - Primary Income - S-Corp] W-2 - 2024 - 5 of 11 Entities;<br> [Borrower - Primary Income - S-Corp] W-2 - 2023 - 5 of 11 Entities;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Personal - 2024;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Personal - 2023;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2024 - 11 of 11 Entities;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2023 - 11 of 11 Entities;<br> [Borrower - Primary Income - S-Corp] K-1 - 2024 - 11 of 11 Entities;<br> [Borrower - Primary Income - S-Corp] K-1 - 2023 - 11 of 11 Entities;<br> [Borrower - Primary Income - S-Corp] CPA Letter - 05/26/2025;<br> [Borrower - Primary Income - S-Corp] P&L Statement - 01/2025-06/2025 - 11 of 11 Entities;<br> [Borrower - Primary Income - S-Corp] Secretary of State (SOS) - 07/23/2025 - 11 of 11 Entities;<br> [Borrower - Primary Income - S-Corp] VVOE - 07/23/2025 - 11 of 11 Entities; | [Borrower] 1040 - 2024;<br> [Borrower] 1040 - 2023;<br> [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2022;<br> [Borrower] Transcripts - 2021; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX | 20250321 |  | $0.00 |  |  | 0 | 3.8 |  | No |  | N/A | 7.375 | 2 | 0 | 2 | 2 | 0 | 4 | 0 | 0 | 12 | No | 0 |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | 20550901 |  |  | XXXX |  |  |  | Stable | No | Full |  |  |  | 113 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1675328 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2103.83 | $2760.63 | 7.25% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | A | $2331.84 | $5549.76 |  |  |  |  |  |  |  |  | 20250715 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX | 20250321 |  |  |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | 20551001 |  |  | XXXX |  |  |  | Stable | Yes |  |  |  |  | 105 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1672285 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $22468.82 | $23736.52 | 20250602 | 8.323% | $4151.75 | $4979.35 | 7.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $11458.56 | 1 |  | X | $5150.04 | $3125.16 | XXXX | VA | $138.00 |  | Monthly | 36.288% |  | 36.288% | 20250729 | 651 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 0% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 06/2024-07/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 05/12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 03/21/2025;<br> [Borrower - Primary Income - Retirement] Pension Letter - 03/10/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 3 | 0 | 0 |  | Bank Statement - 12 months | XXXX | 20250321 |  | $0.00 |  |  | 0 | 1 |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  |  | 20550901 |  |  | 000000000000000000000102 |  |  |  | Stable | No | Alternative Doc |  |  |  | 1 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1671962 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $13363.00 | $14290.68 | 20250730 | 8.414% | $2824.99 | $4945.66 | 8.00% | Yes | Yes | Self-Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $21961.95 | 1 |  | X500 | $6495.72 | $1695.00 | XXXX | FL | $1438.11 |  | Monthly | 53.412% |  | 53.412% | 20250814 | 649 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 0% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 05/2024-06/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 08/2024;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 08/2024;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 05/2025-06/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Bank Statement - 12 months | XXXX | 20250321 |  | $0.00 |  |  | 0 | 2 |  | No |  | N/A | 8 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | 20550901 |  |  | XXXX |  |  |  | Stable | Yes | Alternative Doc |  |  |  | 1 |  | No | No | FALSE |  |  |  |  |  |  |  |  |
| 1672155 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1445.24 | $2025.69 | 6.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $5257.44 | $1458.00 | XXXX | GA | $249.96 |  | Annually |  |  |  | 20250620 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX | 20250321 |  |  |  |  | 0 | 1.2 |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.09 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | 20550901 |  |  | XXXX |  |  |  | Stable | Yes |  |  |  |  | 75 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1673974 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $3488.48 | $5051.80 | 20250821 | 7.868% | $1012.11 | $1480.84 | 7.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $9723.03 | 1 |  | X | $4489.80 | $1134.96 |  |  |  |  |  | 30.015% |  | 30.015% | 20250710 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 0% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 07/2024-06/2024 12 months;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 05/2025-06/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 03/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 06/2019;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 06/2019; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Bank Statement - 12 months | XXXX | 20250321 |  | $3488.48 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | 20551001 |  |  | XXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 37 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1670233 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $7750.00 | $8240.40 | 20250716 | 8.517% | $1707.74 | $2512.98 | 8.13% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $2739.38 | 1 |  | A5 | $7298.76 | $2364.12 |  |  |  |  |  | 47.845% |  | 47.845% | 20250716 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] WVOE - 07/2025 29 months;<br> [Borrower - Primary Income - Wages] Paystubs - 04/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 05/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 06/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Tax Returns – Personal - 2024; | [Borrower] 1040 - 2024; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Full Doc | XXXX | 20250321 |  | $7750.00 |  |  | 39.54 | 1 |  | No |  | N/A | 8.125 | 2 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | 20550801 |  |  | XXXX |  |  |  | Stable | No | Full |  |  |  | 15 | 29 | Yes |  | FALSE |  |  |  |  |  |  |  |  |
| 1669084 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1313.86 | $2068.73 | 6.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$2108.77 | 1 |  | X | $7464.36 | $1594.08 |  |  |  |  |  |  |  |  | 20250428 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX | 20250321 |  |  |  |  | 0 | 1 |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.45 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | 20550801 |  |  | XXXX |  |  |  | Stable | Yes |  |  |  |  | 2 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1668650 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $5082.50 | $7208.84 | 20250613 | 7.639% | $2037.49 | $3438.37 | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3422.46 | 1 |  | AE | $6994.56 | $1992.00 | XXXX | NJ | $652.00 |  | Monthly | 51.495% | 51.495 |  | 20250511 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  | [Borrower - Primary Income - Sole Proprietor] Tax Returns – Personal - 2024;<br> [Borrower - Primary Income - Sole Proprietor] Tax Returns – Personal - 2023;<br> [Borrower - Primary Income - Sole Proprietor] P&L Statement - 01/2025-05/2025;<br> [Borrower - Primary Income - Sole Proprietor] Bank Statements - Personal - 12/2024-06/2025 - 7 months Alimony Payments; | [Borrower] 1040 - 2024;<br> [Borrower] 1040 - 2023;<br> [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2022; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | AC30YrFx Citadel Non Conforming 30 | XXXX | 20250321 |  | $5082.50 |  |  | 0 | 1 |  | No |  | N/A | 7.375 | 0 | 0 | 2 | 0 | 0 | 2 | 0 | 0 | 12 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  |  | 20550801 |  |  | XXXX |  |  |  | Stable | No | Full |  |  |  | 110 |  | No | No | FALSE |  |  |  |  |  |  |  |  |
| 1673521 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $2560.63 | $3610.20 | 20250805 | 7.56% | $1419.34 | $1556.84 | 7.38% | No | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | $1538.84 | 1 |  | X | $0.00 | $1650.00 |  |  |  |  |  | 50.387% | 50.387 |  | 20250812 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Pension Letter - 05/16/2025;<br> [Borrower - Primary Income - Retirement] Bank Statements - Personal - 07/05/2025-08/02/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Full Doc | XXXX | 20250321 |  | $2560.63 |  |  | 268.61 | 2.2 |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | 20550901 |  |  | XXXX |  |  |  | Stable | No | Full |  |  |  | 5 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1669093 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $846.18 | $1253.31 | 9.13% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $3325.92 | $1559.64 |  |  |  |  |  |  |  |  | 20250710 | 654 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | AC30YrFx Citadel Non Conforming 30 | XXXX | 20250321 |  |  |  |  | 0 | 1.8 |  | No |  | N/A | 9.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.26 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | 20550801 |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 73 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1670596 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $3922.51 | $5151.26 | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 |  | X | $13160.04 | $1584.96 |  |  |  |  |  |  |  |  | 20250716 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | AL Non-Prime DSCR AA 30yr Fixed w/ 5% PPP | XXXX | 20250321 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.1 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | 20550801 |  |  | XXXX |  |  |  | Increasing | No |  |  |  |  | 40 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1672032 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8246.25 | $9463.10 | 20250708 | 7.654% | $1411.44 | $2118.94 | 7.13% | No | No | Self-Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $8467.23 | 1 |  | X500 | $6843.00 | $1647.00 |  |  |  |  |  | 44.765% |  | 44.765% | 20250523 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 07/2024-07/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 07/02/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 01/08/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 0815/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 08/21/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Bank Statement - 12 months | XXXX | 20250321 |  | $8246.25 |  |  | 0 | 3.7 |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | 20550901 |  |  | XXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 6 |  | Yes |  | FALSE |  |  |  |  |  |  |  |  |
| 1671463 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $13360.00 | $14953.50 | 20250722 | 8.189% | $3552.84 | $4245.03 | 7.88% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $15266.00 | 1 |  | X | $5536.32 | $2769.96 |  |  |  |  |  | 33.038% |  | 33.038% | 20250626 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% | 100% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 06/2024-05/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 07/09/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 06/09/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 07/01/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 07/23/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 06/2024-05/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 07/09/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 06/09/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 06/09/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 07/23/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Full Doc | XXXX | 20250321 |  | $13360.00 |  |  | 0 | 1 |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | 20550801 |  |  | XXXX |  |  |  | Stable | No | Alternative Doc | Alternative Doc |  |  | 28 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1670794 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1326.48 | $1774.58 | 7.13% | Yes | N/A | Not Required |  |  |  |  |  |  | Yes | No |  |  |  | Ecuador |  | $0.00 | 1 |  | X | $3899.28 | $873.96 | XXXX | FL | $50.33 |  | Monthly |  |  |  |  | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | DSCR- Foreign National | XXXX | 20250321 |  |  |  |  | 0 | 1 |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.11 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  |  | 20550801 |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 122 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1671488 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1929.64 | $2689.87 | 7.25% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | Yes | Yes |  |  |  | Nicaragua | Nicaragua | $0.00 | 1 |  | X | $6501.36 | $785.40 | XXXX | FL | $153.00 |  | Monthly |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | DSCR- Foreign National | XXXX | 20250321 |  |  |  |  | 0 | 1.2 |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  |  | 20550901 |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 2 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1670329 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2279.23 | $2620.10 | 7.38% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $1227.48 | $2862.96 |  |  |  |  |  |  |  |  | 20250620 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX | 20250321 |  |  |  |  | 0 | 2.5 |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.76 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | 20550801 |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 2 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1671311 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $8713.50 | $11426.32 | 20250723 | 7.198% | $4615.54 | $5714.17 | 7.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $91421.18 | 1 |  | X | $9860.52 | $3323.04 |  |  |  |  |  | 7.972% |  | 7.972% | 20250724 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 07/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 07/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 07/2024-06/2024 12 months; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Bank Statement - 12 months | XXXX | 20250321 |  | $0.00 |  |  | 0 | 1.3 |  | No |  | N/A | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | 20550901 |  |  | XXXX |  |  |  | Increasing | No | Alternative Doc |  |  |  | 141 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1671641 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1086.90 | $1411.49 | 8.38% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $2120.04 | $1775.04 |  |  |  |  |  |  |  |  | 20250717 | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Foreign National | XXXX | 20250321 |  |  |  |  | 0 | 1 |  | No |  | N/A | 8.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.24 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | 20550901 |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 11 |  | Yes |  | FALSE |  |  |  |  |  |  |  |  |
| 1673520 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $19873.00 | $24556.07 | 20250730 | 7.62% | $7252.09 | $8073.14 | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $24391.44 | 1 |  | AE | $3996.60 | $5856.00 |  |  |  |  |  | 25.238% |  | 25.238% | 20250529 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 35% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 07/2024-06/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 07/17/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 08/12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 08/07/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 08/20/2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 08/12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Bank Statement - 12 months | XXXX | 20250321 |  | $0.00 |  |  | 7250 | 1 |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | 20550901 |  |  | XXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 59 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1674973 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1311.12 | $1769.58 | 8.38% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 3 |  | X | $2562.36 | $2939.16 |  |  |  |  |  |  |  |  | 20250721 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX | 20250321 |  |  |  |  | 0 |  |  | No |  | N/A | 8.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.78 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | 20550901 |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 91 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1674641 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1297.54 | $1523.72 | 8.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 |  | X | $1644.12 | $1070.04 |  |  |  |  |  |  |  |  | 20250801 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | DSCR- Investor NOO | XXXX | 20250321 |  |  |  |  | 0 |  |  | No |  | N/A | 8.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.54 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | 20550901 |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 104 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1639427 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $759.11 | $1112.58 | 7.63% | Yes | Yes | Not Required |  |  |  |  |  |  | Yes | No |  |  |  | Israel |  | $0.00 | 1 |  | X | $2246.64 | $1995.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | AC30YrFx Citadel Non Conforming 30 | XXXX | 20250321 |  |  |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.71 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  |  | 20550601 |  |  | XXXX |  |  |  | Stable | Yes |  |  |  |  | 126 |  | No |  | TRUE | 18 |  |  |  |  |  |  |  |
| 1670336 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1975.04 | $2727.37 | 8.13% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | Yes | Yes |  |  |  | Mexico | Mexico | -$2362.14 | 1 |  | C | $7629.96 | $897.96 | XXXX | TX | $500.04 |  | Annually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | DSCR- Foreign National | XXXX | 20250321 |  |  |  |  | 0 | 1 |  | No |  | N/A | 8.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.82 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  |  | 20550801 |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 50 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1672321 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1392.35 | $1950.06 | 7.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $5650.56 | $1041.96 |  |  |  |  |  |  |  |  | 20250707 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX | 20250321 |  |  |  |  | 0 | 1 |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.18 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | 20550901 |  |  | XXXX |  |  |  | Increasing | No |  |  |  |  | 18 |  | Yes |  | FALSE |  |  |  |  |  |  |  |  |
| 1670349 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $743.57 | $1213.11 | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 3 |  | X | $2966.76 | $2667.72 |  |  |  |  |  |  |  |  | 20250723 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX | 20250321 |  | $0.00 |  |  | -300 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 2.47 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | 20550801 |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 37 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1670348 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1975.33 | $2404.71 | 7.38% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 3 |  | X | $3437.52 | $1715.04 |  |  |  |  |  |  |  |  | 20250723 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX | 20250321 |  | $0.00 |  |  | -300 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.62 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | 20550801 |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 35 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1671417 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $978.90 | $1377.29 | 7.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $2761.80 | $2018.88 |  |  |  |  |  |  |  |  | 20250610 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX | 20250321 |  |  |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.16 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | 20550901 |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 8 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1672138 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $5495.00 | $7343.65 | 20250729 | 9.101% | $2923.99 | $3486.77 | 8.88% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $23142.09 | 1 |  | C | $5155.44 | $1167.96 | XXXX | ID | $429.96 |  | Annually | 16.829% |  | 16.829% | 20250728 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 49% | 51% |  | [Borrower - Primary Income - Bank Statements] CPA Letter - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 12/2024;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 12/2023;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 08/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 07/2024-06/2024 12 months;<br> [Borrower - Primary Income - Bank Statements] VVOE - 08/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 08/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Business License/Validation - 12/2024;<br> [Co Borrower 1 - Primary Income - Bank Statements] Business License/Validation - 12/2023;<br> [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 08/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 07/2024-06/2024 12 months;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 08/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Bank Statement - 12 months | XXXX | 20250321 |  | $0.00 |  |  | 10709.28 | 1 |  | No |  | N/A | 8.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | 20550901 |  |  | XXXX |  |  |  | Stable | No | Alternative Doc | Alternative Doc |  |  | 42 |  | Yes |  | FALSE |  |  |  |  |  |  |  |  |
| 1675004 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1923.74 | $2985.22 | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $4076.76 | $549.00 | XXXX | MA | $676.00 |  | Monthly |  |  |  | 20250730 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX | 20250321 |  |  |  |  | 0 | 1.5 |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.11 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | 20551001 |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 71 |  | No | Yes | FALSE |  |  |  |  |  |  |  |  |
| 1670344 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $15203.04 | $17417.65 | 20250626 | 7.271% | $4043.38 | $4354.50 | 7.00% | Yes | Yes | Self-Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $8101.46 | 1 |  | X | $1428.96 | $2304.48 |  |  |  |  |  | 48.569% |  | 48.569% | 20250522 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 06/2024-05/2024;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 07/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 05/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Bank Statement - 12 months | XXXX | 20250321 |  | $15203.04 |  |  | 0 | 4.7 |  | No |  | N/A | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | 20550801 |  |  | XXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 82 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1669066 | XXXX | XXXX | Safe Harbor QM (APOR) | XXXX | Yes | No | $2585.00 | $7378.50 | 20250620 | 7.315% | $8027.51 | $9661.08 | 7.25% | No | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $21059.25 | 1 |  | X500 | $8687.88 | $9414.96 | XXXX | FL | $125.00 |  | Monthly | 45.619% | 45.619 |  | 20250514 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - Primary Income - Bank Statements] Investment Statements - 04/2025 1 month; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Ability to Repay in Full/Asset depletion | XXXX | 20250321 |  | $0.00 |  |  | 7565.08 | 1.1 |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Depletion |  | Experian Fair Isaac Model 2 | 20550801 |  |  | XXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 56 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1643208 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $1107.24 | $1356.40 | 8.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | AE | $1372.32 | $1617.60 |  |  |  |  |  |  |  |  | 20250428 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | AC30YrFx Citadel Non Conforming 30 | XXXX | 20250321 |  |  |  |  | 0 | 2.5 |  | No |  | N/A | 8.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.11 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  |  | 20550701 |  |  | XXXX |  |  |  | Increasing | No |  |  |  |  | 617 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1671303 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $836.81 | $1134.87 | 9.00% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X500 | $1950.00 | $1626.72 |  |  |  |  |  |  |  |  | 20250618 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX | 20250321 |  |  |  |  | 0 | 1.5 |  | No |  | N/A | 9 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.06 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | 20550901 |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 11 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1673576 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $984.35 | $1375.76 | 7.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $2533.92 | $2163.00 |  |  |  |  |  |  |  |  | 20250715 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX | 20250321 |  |  |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.69 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  |  | 20550901 |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 18 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1669267 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2096.88 | $3072.21 | 7.63% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $8891.04 | $2668.92 | XXXX | FL | $12.00 |  | Monthly |  |  |  | 20250611 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | DSCR- Investor NOO | XXXX | 20250321 |  |  |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | 20550801 |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 63 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1669881 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $690.68 | $942.08 | 7.38% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | -$942.08 | 1 |  | X | $1872.84 | $1143.96 |  |  |  |  |  |  |  |  | 20250626 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX | 20250321 |  | $0.00 |  |  | -62.75 | 2.7 |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.49 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | 20550801 |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 45 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1670783 | XXXX | XXXX | Exempt | XXXX | No | No |  |  |  | 0.00% | $2122.37 | $2481.32 | 7.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$17081.12 | 1 |  | X | $1833.36 | $2474.04 |  |  |  |  |  |  |  |  | 20250701 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX | 20250321 |  |  |  |  | 0 | 1.2 |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 2.38 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | 20550901 |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 15 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1672294 | XXXX | XXXX | Exempt | XXXX | No | No |  |  | 20250806 | 0.00% | $993.24 | $1650.77 | 10.13% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $2448.36 | $354.00 | XXXX | MD | $424.00 |  | Monthly |  |  |  | 20250801 | 656 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Full Doc | XXXX | 20250321 |  | $0.00 |  |  | 0 | 1 |  | No |  | N/A | 10.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.15 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | 20550901 |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 62 |  | No | Yes | FALSE |  |  |  |  |  |  |  |  |
| 1672293 | XXXX | XXXX | Exempt | XXXX | No | No |  |  | 20250806 | 0.00% | $993.24 | $1649.56 | 10.13% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $2433.84 | $354.00 | XXXX | MD | $424.00 |  | Monthly |  |  |  | 20250801 | 656 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Full Doc | XXXX | 20250321 |  | $0.00 |  |  | 0 | 1 |  | No |  | N/A | 10.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.15 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | 20550901 |  |  | XXXX |  |  |  | Stable | No |  |  |  |  | 63 |  | No | Yes | FALSE |  |  |  |  |  |  |  |  |
| 1672324 | XXXX | XXXX | Non-QM | XXXX | Yes | No | $11408.96 | $13672.32 | 20250721 | 7.581% | $2940.18 | $3879.04 | 7.25% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $11546.97 | 1 |  | X | $7397.28 | $2213.04 | XXXX | VA | $138.00 |  | Monthly | 42.8% |  | 42.8% | 20250715 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 7/14/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 7/28/2025;<br> [Borrower - Primary Income - Bank Statements] Third Party Verification - 3/12/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 8/2024-7/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] VVOE - 8/8/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Bank Statement - 12 months | XXXX | 20250321 |  | $11408.96 |  |  | 395085.32 | 1 |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | 20550901 |  |  | XXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 4 |  | No |  | FALSE |  |  |  |  |  |  |  |  |

---

## Exhibit 99.06

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.06**

![](ex9906001.jpg)

![](ex9906002.jpg)

**EXECUTIVE SUMMARY**

**MFA 2025-NQM5**

**November 21, 2025**

**INFINITY INTERNATIONAL PROCESSING SERVICES, INC.**

0 \| P a g e

![](ex9906001.jpg)

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| Infinity Biography | 2.0 |
| Description of the due diligence performed | 3.0 |
| Summary of findings and conclusions of review | 16.0 |
| Tape Integrity Review Results Summary | 16.0 |
| Additional Loan Population Summary | 16.0 |

---

1 \| P a g e

![](ex9906001.jpg)

**INFINITY BIOGRAPHY**

Infinity IPS, Inc. is a privately held firm offering trusted financial products and services to capital markets participants. Founded in 2003, by a group of experienced mortgage due diligence executives, Infinity was started with a simple mission: To provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service. As a third-party reviewer, our independence, integrity, depth of expertise, and approach to due diligence and credit risk management provides clients the highest degree of hands-on oversight and participation when buying or selling pools, securitizing loans, or managing loans and securitizations over time.

Our rigorous, high touch approach to due diligence reviews provides all data necessary in the provision of an asset due diligence, risk retention, loss mitigation and forensic analysis services for all classes or mortgage products, consumer lending products, and more. Our mission is to provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service.

As a rating agency reviewed third-party due diligence provider, Infinity prides itself on meeting the standards of S&P, Fitch, Kroll, Moody's and DBRS Morningstar. Infinity is a privately-owned business and is headquartered in Rockville, MD with an underwriting facility in Tampa, FL.

2 \| P a g e

![](ex9906001.jpg)

**DESESCRIPTION OF THE DUE DILIGENCE PERFORMED**

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

Infinity IPS, Inc. ("Infinity") performed due diligence services as described below (the "Review"). All of these mortgage loans, which were originated by multiple parties, were purchased by MFA Financial, Inc. ("Client") and were reviewed by Infinity on behalf of the Client. The mortgage loans were reviewed via files imaged and provided by the Client.

The Review population is comprised of fourteen (14) mortgage loans that were originally reviewed from August 2025 to September 2025.

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

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

▪ "Compliance Review" 11<sup>1</sup> Mortgage
 Loan

▪ "Credit Review" 14 Mortgage Loans

▪ "Property Review" 14 Mortgage Loans

▪ "Data Integrity" 14 Mortgage Loans

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

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

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

For fourteen (14) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;Sale Price |
| &nbsp;&nbsp;First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;IO Term | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Original Rate | &nbsp;&nbsp;PP Terms | &nbsp;&nbsp;CLTV |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;PP Months | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Address | &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;Current P&I |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;Rate Index |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1st Rate Change Date | &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;Prepay Months | &nbsp;&nbsp;Reset Frequency | &nbsp;&nbsp;Deferred Balance |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Next Due Date | &nbsp;&nbsp;Rounding Code | &nbsp;&nbsp;Balloon Fag |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Look back Period | &nbsp;&nbsp;Borrower SSN |
| &nbsp;&nbsp;Credit Score | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Initial Roll Cap | &nbsp;&nbsp;Co-Borrower SSN |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;Mod Flag | &nbsp;&nbsp;Periodic Rate Cap |  |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Mod Date | &nbsp;&nbsp;Life Rate Cap |  |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Current Rate | &nbsp;&nbsp;Life Rate Floor |  |

---

<sup>1</sup> Three (3) loans were not subject to a compliance review but are graded A for compliance as they were confirmed to be exempt investor loans with no consumer purpose.

3 \| P a g e

&nbsp;&nbsp;&nbsp;&nbsp;

![](ex9906001.jpg)

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

Infinity conducted a credit review for fourteen (14) mortgage loans. At that time, Infinity reviewed the 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 Infinity and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

There were 5 sets of guidelines provided for the review. Each loan was reviewed to the specific guideline provided on the loan approval. Please refer the Exhibit A.

**Credit Application:** For the Credit Application, Infinity 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:** Infinity's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to guidelines. In order to make this determination, Infinity: (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 date 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:** Infinity determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, and (vi) IRS tax transcripts.

**Asset Review:** Infinity 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, Infinity 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 Infinity. During the course of this review, Infinity (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the debt-to-income ("DTI") calculations,

4 \| P a g e

&nbsp;&nbsp;&nbsp;&nbsp;

![](ex9906001.jpg)

(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:** Infinity 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, Infinity 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:** Infinity 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, Infinity conditioned the mortgage loan for the missing fraud report product.

If a report was present, Infinity 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, Infinity confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

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

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

5 \| P a g e

![](ex9906001.jpg)

**Business Purpose/DSCR Scope:** Infinity conducted a business purpose/property focused Investor review for one (1) mortgage loan with DSCR calculation. There were no mortgage loans that were classified as No Ratio loans with no DSCR calculation.

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. During the course of this review, Infinity (i) reviewed the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation, (ii) examined appraisal reports, BPO's, and appraisal reviews to determine if the property type was consistent with underwritten property type and usage (such as evidence of either owner or tenant occupancy) and compared this information against other relevant information contained within applicable sections of the loan file to evaluate consistency, accuracy, and adherence to the credit policy, (iii) reviewed environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements, (iv) reviewed credit reporting, VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements, and consistency with the Final Loan Approval worksheet, (v) reviewed HUD-1's, Title Search, Purchase Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC as well as adherence to credit policy requirements, (vi) reviewed LOI/LOE(s) for presence of un-qualified statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with the subject property address, and that signatory(s) are consistent with the identified borrower(s)/guarantor(s), (vii) reviewed Final Form 1003/Loan application to ensure complete execution that the subject property listed is consistent with the subject property, and that the listed residence for the Individual(s) is an address other than the subject property, (viii) confirmed, if applicable, business license(s) and P&L's are present, valid, and adhere to credit policy requirements, (ix) confirmed, if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements, (x) reviewed final loan approval worksheets for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency with all other documentation contained in the review file (xi) reviewed the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of completed fields and verifying that the handwritten Primary Residence address differs from the subject property address and is signed/dated as required (xii) verified presence of a complete Certification of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified within the subject note/guaranty agreement, including the presence of either individual certifications or one certificate containing all required signatures, (xiii) compared the Primary Residence address(es) listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity, (xv) documented any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue, (xvi) gathered the components of the DSCR from source documentation provided in the loan file during the course of the review. Where applicable, Infinity sums per the guidelines the principal and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number is used as the denominator to the monthly lease or estimated lease income as per the guidelines.

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

6 \| P a g e

![](ex9906001.jpg)

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for fourteen (14) mortgage loans. For these fourteen (14) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

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

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

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

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

7 \| P a g e

![](ex9906001.jpg)

Infinity completed a Compliance Review on eleven (11) mortgage loan. Please be advised that Infinity 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 Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

Please be further advised that Infinity does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Infinity do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Infinity. Information contained in any Infinity 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 Infinity 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 Infinity 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. Infinity does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Infinity.

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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.

8 \| P a g e

&nbsp;&nbsp;&nbsp;&nbsp;

![](ex9906001.jpg)

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

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

ii) proper execution by all required parties;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note:
 Where available, Infinity 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, Infinity's review was limited to formal general statements of entity
 compliance provided by the mortgage loan originator, if any. These statements, for example,
 were in the form of a letter signed by the seller correspondent/mortgage loan originator
 or representations in the mortgage loan purchase agreement between the Client and seller
 correspondent;

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

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

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

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

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

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

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

9 \| P a g e

&nbsp;&nbsp;&nbsp;&nbsp;

![](ex9906001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

iii) confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
 in the event the lender has affiliated business arrangements;

10 \| P a g e

![](ex9906001.jpg)

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x) confirm
 that the list of homeownership counselling organizations was obtained no earlier than
 30 days prior to when the list was provided to the mortgage loan applicant.

**(III) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 that any written estimate of terms or costs provided prior to receipt of a LE contained
 the required disclosures;

vi) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

viii) confirm borrower received LE not later than four (4) business days prior to consummation; and

ix) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) identify
 tolerance violations based on the charges disclosed on the initial and interim LE's,
 initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

11 \| P a g e

![](ex9906001.jpg)

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG Compliance Review Scope.)

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage
 loan file contains documentary evidence that the disclosure was provided to the borrower;
 and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

**(IV) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) The
 general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing
 of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified
 Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined
 by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and
 the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

Infinity 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). Infinity determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, Infinity notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, Infinity notes if an originator mortgage loan designation was not provided.

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, Infinity 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) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with

12 \| P a g e

![](ex9906001.jpg)

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 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, Infinity reviews the mortgage loan to determine whether, based on available information in the file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, Infinity 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, Infinity then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, Infinity 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>*

Infinity 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.

Infinity 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"). Infinity 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. Infinity's review is based on information contained in the mortgage loan file at the time it is provided to Infinity to review, and only reflects information as of that point in time.

**(V) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

13 \| P a g e

&nbsp;&nbsp;&nbsp;&nbsp;

![](ex9906001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing
 and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation; and

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(VI) Fannie Mae points and fees limitations and HOEPA restrictions as addressed in Fannie Mae Announcement 04-06, as amended by Lender Letters LL-2013-05 and LL-2013-06 and Selling Guide Announcement SEL-2013-06;** 

**(VII) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(VIII) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(IX) Federal and state specific late charge and prepayment penalty provisions.**

**(X) Recording Review**

Infinity 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 Infinity reviewed the mortgage loans and thus have not yet been recorded. Infinity verified that documents in the 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, Infinity will analyze and capture data from the source documents identified in the Document Review below, as applicable.

**(XI) FIRREA Review**

Infinity confirmed that the appraiser and the appraisal made by such appraiser both satisfied the pr 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, Infinity 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**

Infinity reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
 application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Underwriting
 summary / loan approval (1008);

14 \| P a g e

&nbsp;&nbsp;&nbsp;&nbsp;

![](ex9906001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;▪ Credit
 report;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Income
 and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Asset
 documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales
 contract;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Hazard
 and/or flood insurance policies;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Copy
 of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary
 Title;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 1003;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed
 circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Right
 of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage/Deed
 of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage
 Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible
 Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Subordination
 Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA
 disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Notice
 of Special Flood Hazards;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
 and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;▪ HUD
 from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
 TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
 Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing
 Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;▪ Certain
 other disclosures related to the enumerated tests set forth herein.

15 \| P a g e

![](ex9906001.jpg)

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The nationally recognized statistical rating organization ("NRSRO") criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 of the ABS Due Diligence 15E, Fitch Ratings, Inc. ("Fitch").

**OVERALL RESULTS SUMMARY (14 MORTGAGE LOANS)**

Infinity's review to NRSRO grading requirements covers fourteen (14) mortgage loans. Within those mortgage loans, Infinity graded eleven (11) mortgage loan as "A" and three (3) mortgage loan as "B".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;11 | &nbsp;&nbsp;12 | &nbsp;&nbsp;13 | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;85.71% | &nbsp;&nbsp;92.86% | &nbsp;&nbsp;78.57% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;7.14% | &nbsp;&nbsp;21.43% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY (14 MORTGAGE LOANS)**

Of the fourteen (14) mortgage loans reviewed, 0 (0.00%) mortgage loan had tape discrepancies across zero (0) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |

---

**ADDITIONAL LOAN POPULATION SUMMARY (14 MORTGAGE LOANS)**

\* Total may not sum to total due to rounding.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$16550900.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$16550900.00** | &nbsp;&nbsp;**100.00%** |

---

16 \| P a g e

![](ex9906001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;12 | &nbsp;&nbsp;85.71% | &nbsp;&nbsp;$16061500.00 | &nbsp;&nbsp;97.04% |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;$489400.00 | &nbsp;&nbsp;2.96% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$16550900.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;1 | &nbsp;&nbsp;7.14% | &nbsp;&nbsp;$396500.00 | &nbsp;&nbsp;2.40% |
| &nbsp;&nbsp;Cash Out: Other/Multi- purpose/Unknown purpose | &nbsp;&nbsp;7 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$7234400.00 | &nbsp;&nbsp;43.71% |
| &nbsp;&nbsp;Limited Cash-Out (GSE Definition) | &nbsp;&nbsp;1 | &nbsp;&nbsp;7.14% | &nbsp;&nbsp;$844000.00 | &nbsp;&nbsp;5.10% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;2 | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;$775000.00 | &nbsp;&nbsp;4.68% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;7.14% | &nbsp;&nbsp;$1500000.00 | &nbsp;&nbsp;9.06% |
| &nbsp;&nbsp;Rate/Term Refinance - Lender initiated | &nbsp;&nbsp;1 | &nbsp;&nbsp;7.14% | &nbsp;&nbsp;$2301000.00 | &nbsp;&nbsp;13.90% |
| &nbsp;&nbsp;Rate/Term Refinance -- Borrower initiated | &nbsp;&nbsp;1 | &nbsp;&nbsp;7.14% | &nbsp;&nbsp;$3500000.00 | &nbsp;&nbsp;21.15% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$16550900.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;240 Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;21.43% | &nbsp;&nbsp;$4101000.00 | &nbsp;&nbsp;24.78% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;11 | &nbsp;&nbsp;78.57% | &nbsp;&nbsp;$12449900.00 | &nbsp;&nbsp;75.22% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$16550900.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;11 | &nbsp;&nbsp;78.57% | &nbsp;&nbsp;$12396900.00 | &nbsp;&nbsp;74.90% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;3 | &nbsp;&nbsp;21.43% | &nbsp;&nbsp;$4154000.00 | &nbsp;&nbsp;25.10% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$16550900.00** | &nbsp;&nbsp;**100.00%** |

---

17 \| P a g e

![](ex9906001.jpg)

**Exhibit A**

---

| |
|:---|
| &nbsp;&nbsp;**Guidelines** |
| &nbsp;&nbsp;Aspire 2nd Mortgage Guidelines |
| &nbsp;&nbsp;Fundloans Apex Prime Bank Statement Guidelines |
| &nbsp;&nbsp;Fundloans Aspire 2nd Mortgage Guidelines |
| &nbsp;&nbsp;Fundloans Montage Prime Full Documentation Guidelines |
| &nbsp;&nbsp;Fundloans Spectrum No Ratio |

---

18 \| P a g e

## Exhibit 99.06

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.06 - Schedule 1**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan ID** | **Redacted ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| xx | 85383 |  |  | xx A |
| xx | 85389 |  |  | xx D A C |
| xx | 85388 |  |  | xx D A |
| xx | 85246 |  |  | xx A C |
| xx | 85382 |  |  | xx A |
| xx | 85450 |  |  | xx B A |
| xx | 85662 |  |  | xx A |
| xx | 85445 |  |  | xx D A B |
| xx | 85448 |  |  | xx A C |
| xx | 85898 |  |  | xx A C B |
| xx | 85452 |  |  | xx A |
| xx | 85901 |  |  | xx A |
| xx | 85451 |  |  | xx A |
| xx | 85902 |  |  | xx A |

---

## Exhibit 99.06

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.06 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redacted 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?** |
| xx | 85383 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | No Cash Out - Lender Initiated |  |  |
| xx | 85389 |  | D A C | Closed | FCRE1503 | 2025-08-29 01:55 | 2025-09-02 19:17 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Resolved-09/02/2025-mortgage statement, Hoi, Hoa and Taxes, documents received. - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. - Seller-09/02/2025 <br> Open-Mortgage Statement is Missing for the Property #xx & #xx having Concurrent Loans xx & xx to verify the Payments. - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. - Seller-09/02/2025<br>| Resolved-Resolved-09/02/2025-mortgage statement, Hoi, Hoa and Taxes, documents received. - Due Diligence Vendor-09/02/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.98 Are Greater Than The Guideline Minimum Of 12 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 0.0<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.65 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years |  | xx Tax Cert.pdf<br> xx Note.pdf<br> xx HOI.pdf<br> xx 1st pymt ltr.pdf<br> xx HOA Dues.pdf<br> xx Tax Cert.pdf<br> xx HOI.pdf<br> xx 1st pymt ltr.pdf<br> xx HOA Dues.pdf<br> xx Note.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 85389 |  | D A C | Closed | FPRO1245 | 2025-08-28 23:27 | 2025-09-02 18:32 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal is Expired | Resolved-Resolved-09/02/2025-1040-D document received with effective date. - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Provided Recert of Value to other condition - Seller-09/02/2025 <br> Open-Primary Value Appraisal is Expired As per guidelines Appraisal must be done within 120 days. - Due Diligence Vendor-08/29/2025 | Ready for Review-Provided Recert of Value to other condition - Seller-09/02/2025<br>| Resolved-Resolved-09/02/2025-1040-D document received with effective date. - Due Diligence Vendor-09/02/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.98 Are Greater Than The Guideline Minimum Of 12 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 0.0<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.65 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 85389 |  | D A C | Closed | FPRO1136 | 2025-08-28 23:27 | 2025-09-02 18:31 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Resolved-09/02/2025-1040-D document received. - Due Diligence Vendor-09/02/2025 <br>Ready for Review-Document Uploaded. Please see Recert of Value - Seller-09/02/2025 <br>Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present Primary Appraisal is Expired, 1004D also not provided. - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. Please see Recert of Value - Seller-09/02/2025<br>| Resolved-Resolved-09/02/2025-1040-D document received. - Due Diligence Vendor-09/02/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.98 Are Greater Than The Guideline Minimum Of 12 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 0.0<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.65 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years |  | onestopappraisals_xx_merged.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 85388 |  | D A | Closed | FCRE1503 | 2025-09-02 16:32 | 2025-09-03 17:49 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Resolved-09/03/2025-mortgage statement, Hoi, Hoa and Taxes, documents received. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. - Seller-09/03/2025 <br> Open-Mortgage Statement is Missing for the Property #xx & #xx having Concurrent Loans xx & xx to verify the P&I. - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. - Seller-09/03/2025<br>| Resolved-Resolved-09/03/2025-mortgage statement, Hoi, Hoa and Taxes, documents received. - Due Diligence Vendor-09/03/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.65 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.76 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  | xx Tax Cert.pdf<br> xx Note.pdf<br> xx HOI.pdf<br> xx 1st pymt ltr.pdf<br> xx HOA Dues.pdf<br> xx 1st pymt ltr.pdf<br> xx Note.pdf<br> xx HOI.pdf<br> xx HOA.pdf<br> xx Tax Cert.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 85246 |  | C A | Closed | finding-3632 | 2025-09-03 10:07 | 2025-09-05 14:29 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC received Exception was cleared. <br> - Due Diligence Vendor-09/05/2025 <br>Resolved- - Due Diligence Vendor-09/05/2025 <br>Resolved- - Due Diligence Vendor-09/05/2025 <br>Ready for Review-Document Uploaded. - Seller-09/04/2025 <br>Open- - Due Diligence Vendor-09/04/2025 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/03/2025 <br>Open- - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. - Seller-09/04/2025<br>| Resolved-COC received Exception was cleared. <br> - Due Diligence Vendor-09/05/2025 <br>Resolved- - Due Diligence Vendor-09/05/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.66 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.24 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xx Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 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 0.16<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.45 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | PCCD.pdf<br>FSS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| xx | 85246 |  | C A | Closed | finding-3631 | 2025-09-03 10:07 | 2025-09-05 14:26 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-09/05/2025 <br>Resolved- - Due Diligence Vendor-09/05/2025 <br>Open- - Due Diligence Vendor-09/04/2025 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/03/2025 <br>Open- - Due Diligence Vendor-09/03/2025 |  | Resolved- - Due Diligence Vendor-09/05/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.66 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.24 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xx Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 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 0.16<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.45 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| xx | 85246 |  | C A | Closed | finding-3634 | 2025-09-03 10:07 | 2025-09-05 14:26 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Resolved 09/05/2025: Received COC with Final Closing disclosure date xx and exception was cleared.<br> - Due Diligence Vendor-09/05/2025 <br> Resolved- - Due Diligence Vendor-09/05/2025 <br> Resolved- - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. - Seller-09/05/2025 <br> Counter-In Final Closing Disclosure Discount points added $700, so we required COC please provide COC for FCD. - Due Diligence Vendor-09/05/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $700.00.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). In Final Closing Disclosure Discount points added $700, so we required COC please provide COC for FCD. - Due Diligence Vendor-09/04/2025 <br> Open- - Due Diligence Vendor-09/04/2025 <br> Open- - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. - Seller-09/05/2025<br>| Resolved-Resolved 09/05/2025: Received COC with Final Closing disclosure date xx and exception was cleared.<br> - Due Diligence Vendor-09/05/2025 <br> Resolved- - Due Diligence Vendor-09/05/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.66 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.24 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xx Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 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 0.16<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.45 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | coc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| xx | 85382 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 85450 |  | B A | Closed | FCRE1437 | 2025-09-23 13:36 | 2025-09-23 13:36 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Bank statement transaction with less than 25% (24.75%) ownership in business - Due Diligence Vendor-09/23/2025 |  | Waived-Bank statement transaction with less than 25% (24.75%) ownership in business - Due Diligence Vendor-09/23/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xx Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.22 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.47% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | 1. Transaction: Primary Purchase<br> 2. Income: 12 months business bank statements<br> 3. Loan amount: xx<br> 4. Rate: 7.125<br> 5. LTV: xx<br> 6. DTI: 9.897<br>FICO: 746 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CT | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| xx | 85662 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |
| xx | 85445 |  | D B A | Closed | FCOM9281 | 2025-09-29 11:15 | 2025-10-10 19:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | Condo PUD rider is missing | Resolved-Resolved-10/10/2025-Non-titled co-borrower does not need to sign a security instrument. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Non-titled co-borrower does not need to sign a security instrument. Security instrument grants lender rights against the property. Non-titled co-borrower has no rights to give. - Seller-10/10/2025 <br> Counter-Not resolved-10/10/2025-Co-Borrower (xx) signature is missing in the Condominium Rider. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Co- Borrower is just Co-Signer - Seller-10/09/2025 <br> Open-In Condo Rider Borrower & Non-Borrower only signed, Co-Borrower signature is Missing. - Due Diligence Vendor-09/29/2025 | Ready for Review-Non-titled co-borrower does not need to sign a security instrument. Security instrument grants lender rights against the property. Non-titled co-borrower has no rights to give. - Seller-10/10/2025 <br>Ready for Review-Co- Borrower is just Co-Signer - Seller-10/09/2025<br>| Resolved-Resolved-10/10/2025-Non-titled co-borrower does not need to sign a security instrument. - Due Diligence Vendor-10/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64.9 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 - Original LTV Of xx Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 85445 |  | D B A | Closed | FCRE1119 | 2025-09-26 07:18 | 2025-10-10 19:22 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Deed of Trust Signature does not match Note | Resolved-Resolved-10/10/2025-Non-titled co-borrower does not need to sign a security instrument. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Non-titled co-borrower does not need to sign a security instrument. Security instrument grants lender rights against the property. Non-titled co-borrower has no rights to give. - Seller-10/10/2025 <br> Counter-Not resolved-10/10/2025-Co-Borrower (xx) signature is missing in the DOT Document. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Co- Borrower is just Co-Signer - Seller-10/09/2025 <br> Open-Borrower 2 Signature does not match Note As per the Note Borrower and Co-Borrower has signed, In DOT only borrower has signed, Non-Borrower signature has been signed by the Borrower spouse. Co-Borrower signature is not matched with Note & Co-Borrower Name Not reflected in DOT. - Due Diligence Vendor-09/26/2025 | Ready for Review-Non-titled co-borrower does not need to sign a security instrument. Security instrument grants lender rights against the property. Non-titled co-borrower has no rights to give. - Seller-10/10/2025 <br>Ready for Review-Co- Borrower is just Co-Signer - Seller-10/09/2025<br>| Resolved-Resolved-10/10/2025-Non-titled co-borrower does not need to sign a security instrument. - Due Diligence Vendor-10/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64.9 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 - Original LTV Of xx Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 85445 |  | D B A | Closed | FCRE1342 | 2025-09-29 14:46 | 2025-09-30 19:46 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Resolved-09/30/2025-July month xx statement received. - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. xx July 2025 stmt attached. Please clear condition. - Seller-09/29/2025 <br> Open-Borrower July-2025 Month Business Bank Statement is Missing For the Account #xx xx used for Asset Allowance Calculation. - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. xx July 2025 stmt attached. Please clear condition. - Seller-09/29/2025 | Resolved-Resolved-09/30/2025-July month xx statement received. - Due Diligence Vendor-09/30/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64.9 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 - Original LTV Of xx Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 |  | xx - xx July 2025 stmt.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 85445 |  | D B A | Closed | FCRE1170 | 2025-09-26 05:03 | 2025-09-30 19:41 | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Expiration Date is before the Note Date | Resolved-Flood Insurance Expiration Date of xx is prior to the Note Date of xx Resolved-09/30/2025-Loan file is Condominium, However the flood cert document is not required.(revised 1008 and master policy document received.) - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. Flood insurance is included on attached master policy with sufficient coverage, please clear condition. Attached is also revised 1008 removing flood insurance premium against borrower as not there obligation but HOAs. - Seller-09/30/2025 <br> Open-Flood Insurance Expiration Date of xx is prior to the Note Date of xx Flood Insurance Expiration Date of xx is prior to the Note Date of xx - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. Flood insurance is included on attached master policy with sufficient coverage, please clear condition. Attached is also revised 1008 removing flood insurance premium against borrower as not there obligation but HOAs. - Seller-09/30/2025<br>| Resolved-Flood Insurance Expiration Date of xx is prior to the Note Date of xx Resolved-09/30/2025-Loan file is Condominium, However the flood cert document is not required.(revised 1008 and master policy document received.) - Due Diligence Vendor-09/30/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64.9 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 - Original LTV Of xx Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 |  | xx - Flood Insurance included on master policy with sufficient coverage.pdf<br> xx - Flood Insurance included on master policy with sufficient coverage.pdf<br> xx - Corrected 1008 removing Flood Insurance as covered on master policy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 85445 |  | D B A | Closed | FCRE6737 | 2025-09-29 15:49 | 2025-09-30 19:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Income) missing or unexecuted | Resolved-Resolved-09/30/2025-Operating Agreement document received. - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. Entity documents attached with the Operating Agreement showing that the borrowers collectively own 40% of the entity that owns the assets. The LLC is not a business, it is just a family entity that holds the assets. Please clear condition - Seller-09/29/2025 <br> Open-Letter of Explanation is Missing for Borrower 1 having the 40% ownership of xx Accounts #xx & #xx used for Income. - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. Entity documents attached with the Operating Agreement showing that the borrowers collectively own 40% of the entity that owns the assets. The LLC is not a business, it is just a family entity that holds the assets. Please clear condition - Seller-09/29/2025<br>| Resolved-Resolved-09/30/2025-Operating Agreement document received. - Due Diligence Vendor-09/30/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64.9 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 - Original LTV Of xx Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 |  | xx - Entity Documents verifying borrowers with 40% ownership.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 85445 |  | D B A | Closed | FCRE8201 | 2025-09-26 10:20 | 2025-09-26 10:20 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Mortgagee is responsible for HOA fees 7-12 mths<br>1. xx<br> 2. 3 bed 4.1 bath appraised @ xx - Due Diligence Vendor-09/26/2025 |  | Waived-Mortgagee is responsible for HOA fees 7-12 mths<br>1. xx<br> 2. 3 bed 4.1 bath appraised @ xx - Due Diligence Vendor-09/26/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64.9 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 - Original LTV Of xx Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 | 1. Low DTI @ 45.700%<br> 2. Low Ltv @ xx<br> 3. Residual Income @ xx<br> 4. Excellent Mtg History since 2006 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| xx | 85448 |  | C A | Closed | finding-3721 | 2025-09-30 08:41 | 2025-10-15 16:53 | Resolved | 1 - Information A | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure Foreclosure Rescission Finance Charge Test | Resolved-Resolved 10/15/2025: Received PCCD dated 10/14/2025 and exception was cleared.<br> - Due Diligence Vendor-10/15/2025 <br> Rescinded- - Due Diligence Vendor-10/15/2025 <br> Rescinded- - Due Diligence Vendor-10/15/2025 <br> Rescinded- - Due Diligence Vendor-09/30/2025 <br> Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is xx. The disclosed finance charge of xx is not considered accurate for purposes of rescission because it is understated by more than $35. - Due Diligence Vendor-09/30/2025 <br> Open- - Due Diligence Vendor-09/30/2025 <br> Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is xx. The disclosed finance charge of xx is not considered accurate for purposes of rescission because it is understated by more than $35. - Due Diligence Vendor-09/30/2025 |  | Resolved-Resolved 10/15/2025: Received PCCD dated 10/14/2025 and exception was cleared.<br> - Due Diligence Vendor-10/15/2025 <br>Rescinded- - Due Diligence Vendor-10/15/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.86 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 85448 |  | C A | Closed | finding-3719 | 2025-09-30 08:41 | 2025-10-15 16:52 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | Resolved-Resolved 10/15/2025: Received PCCD dated 10/14/2025 and exception was cleared.<br> - Due Diligence Vendor-10/15/2025 <br> Resolved- - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Document Uploaded. - Seller-10/14/2025 <br> Counter-Yes, we need to Reissue the PCCD because In PCCD Section-C Courier fee(APR) added $105.10. this $105.10 Courier fee not in Closing CD so we are getting Finance charge failed with the variance of $105.10 - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Please advise: We need to reissue the PCCD. The closing CD was correct and the APR box was checked but the PCCD has a clerical error and was not checked for the fee. Can we reissue the PCCD? - Seller-10/14/2025 <br> Open-The loan failed Finance charge with the variance of $105.10, the calculation is as follows.<br> Max allowable Finance charge value= 200000-191153.67 = $8846.33. Sum of the PFC fees collected in PCCD = $8951.43<br> Finance Charge variance = Max allowable - Sum of PFC fees= $8846.33 - $8951.43 = ($105.10).<br> Finance charge is under disclosed by $105.10. - Due Diligence Vendor-09/30/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1))The finance charge is xx. The disclosed finance charge of xx is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-09/30/2025 <br> Open- - Due Diligence Vendor-09/30/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1))The finance charge is xx. The disclosed finance charge of xx is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. - Seller-10/14/2025 <br>Ready for Review-Please advise: We need to reissue the PCCD. The closing CD was correct and the APR box was checked but the PCCD has a clerical error and was not checked for the fee. Can we reissue the PCCD? - Seller-10/14/2025<br>| Resolved-Resolved 10/15/2025: Received PCCD dated 10/14/2025 and exception was cleared.<br> - Due Diligence Vendor-10/15/2025 <br>Resolved- - Due Diligence Vendor-10/15/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.86 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | Letter to borrower xx.pdf<br> Revised PCCD xx.pdf<br> Fed Ex Shipping xx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 85448 |  | C A | Closed | finding-47 | 2025-09-25 13:18 | 2025-09-30 09:51 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved 09/30/2025: Received PCCD with funding date 09/19/2025 and exception was cleared.<br> - Due Diligence Vendor-09/30/2025 <br> Resolved- - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. - Seller-09/29/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*The Final CD shows a funding date of xx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date.<br> - Due Diligence Vendor-09/29/2025 <br> Open- - Due Diligence Vendor-09/26/2025 <br> Open- - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. - Seller-09/29/2025<br>| Resolved-Resolved 09/30/2025: Received PCCD with funding date 09/19/2025 and exception was cleared.<br> - Due Diligence Vendor-09/30/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.86 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | pccd.pdf<br>fss.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 85898 |  | C B A | Closed | FCOM1252 | 2025-09-25 10:51 | 2025-09-26 19:50 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Resolved 9/26/2025 : Received revised loan estimate dated 9/2/2025 and exception was cleared. - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/25/2025 <br>Open-COC dated 08/29/2025 does'nt have Re-disclosure within three Business day of the document - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025<br>| Resolved-Resolved 9/26/2025 : Received revised loan estimate dated 9/2/2025 and exception was cleared. - Due Diligence Vendor-09/26/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xx Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 816 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.13 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.30 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.30 Years |  | COC CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 85898 |  | C B A | Closed | FVAL9739 | 2025-09-25 07:55 | 2025-09-25 15:10 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Assited Living Home. - Due Diligence Vendor-09/25/2025 |  | Waived-Assited Living Home. - Due Diligence Vendor-09/25/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xx Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 816 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.13 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.30 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.30 Years | \* C/O Refinance<br> \* xx loan amount<br> \* xx LTV<br> \* 816 FICO<br> \* 7.25% rate |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| xx | 85452 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 |  |  |
| xx | 85901 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Purchase | NA |  |  |
| xx | 85451 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 85902 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Purchase | NA |  |  |

---

## Exhibit 99.06

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.06 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redacted 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** |
| xx | 85389 |  |  | xx | xx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | 10.0 | 3 | 1 | N/A | 70.98 | No |  |  | Vested Individual | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xx | 85388 |  |  | xx | xx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | 13.2 | 3 | 1 | N/A | 49.76 | No |  |  | Vested Individual | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xx | 85662 |  |  | xx | xx | Debt Service Coverage Ratio | Present | Yes | xx | xx | Appraisal - 1007 |  | N/A |  |  | xx | Appraisal - 1007 | No | 90.39 | 1.106 | 1.106 | xx | xx | xx | 60 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | xx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 21.1 | 1 | 1 | N/A | 60.41 | No |  |  | Vested Individual | xx | xx | Vested Individual | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |

---

## Exhibit 99.06

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.06 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 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 | 108 | 109 | 110 | 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 | 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** | **Redacted 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 Questionnaire Flag** | **HOA Name** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **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 # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **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** |
| xx | 85383 |  |  | xx | xx | xx | No | xx | xx | xx | V5.2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 24800 | 07/14/2025 | 6.750% |  |  | No | 7.483% |  | 7.375% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | $0.00 | xx | $0.00 | N/A |  | $0.00 |  |  | 0.00% | 42.69% | 37.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 18 | 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 - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | CA | xx | xx | 07/07/2025 | 07/07/2025 |  |  |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | United States | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xx | 21.9 | xx | 22.2 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 85389 |  |  | xx | xx | xx | No | xx | xx | xx | V5.6 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.750% |  | xx | No | xx | xx | xx | xx | xx | xx | $0.00 | xx | $0.00 | Yes | xx CA | xx | xx | Monthly | 0.00% | 15.58% | 15.58% | 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% | 90.00% |  |  | 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, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | CA | xx | xx | 07/11/2025 | 07/11/2025 |  |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | United States | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 71 | No | xx | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 85388 |  |  | xx | xx | xx | No | xx | xx | xx | V5.6 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.750% |  | xx | No | xx | xx | xx | xx | xx | xx | $0.00 | xx | $0.00 | Yes | xx CA | xx | xx | Monthly | 0.00% | 15.50% | 15.50% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 90.00% |  |  | 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, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | CA | xx | xx | 07/11/2025 | 07/11/2025 |  |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | United States | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 49.8 | No | xx | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 85246 |  |  | xx | xx | xx | No | xx | xx | xx | V5.6 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 19990 | 07/28/2025 | 6.750% |  |  | No | 7.187% |  | 7.125% |  | xx | No | xx | xx | xx | xx | xx | xx | $0.00 | xx | $0.00 | N/A | xx FL | xx | xx | Annually | 0.00% | 38.52% | 38.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 19 | 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 | xx | xx | FL | xx | xx | 06/12/2025 | 06/12/2025 |  |  |  | 764 |  |  |  |  |  |  |  |  | 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 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xx | 10.5 | xx | 10.5 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 85382 |  |  | xx | xx | xx | No | xx | xx | xx | V5.6 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 11071.25 | 08/11/2025 | 6.630% |  |  | No | 8.682% |  | 8.250% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | $0.00 | xx | $0.00 | N/A |  | $0.00 |  |  | 0.00% | 46.70% | 46.70% | 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 | 28 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | FL | xx | xx | 06/26/2025 | 06/26/2025 |  |  |  | 669 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 5 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | United States | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 26.8 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 85450 |  |  | xx | xx | xx | No | xx | xx | xx | v5.6 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 61790 | 08/25/2025 | 6.630% |  |  | No | 7.306% |  | 7.125% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | $0.00 | xx | $0.00 | N/A |  | $0.00 |  |  | 0.00% | 10.47% | 10.47% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 24.75% |  |  | N/A | 0 | N/A |  |  |  | Yes | 109 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024, 2023 | Borrower - 2025, 2024, 2023 | xx | xx | CT | xx | xx | 08/15/2025 | 08/15/2025 |  |  |  | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | United States | xx |  |  | I-151 Permanent Resident Card |  | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xx | 8.2 | xx | 8.2 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 85662 |  |  | xx | xx | xx | No | xx | xx | xx | 5.2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | $0.00 | xx |  | 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% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 | 0 | 0 |  | 0 | 0 |  | Yes | 1.106 | 1.106 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xx | xx | CA | xx | xx | 07/24/2025 | 07/24/2025 | 07/24/2025 |  |  | 743 |  |  |  |  |  |  |  |  | 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 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | United States | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 60.4 | No | xx | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 85445 |  |  | xx | xx | xx | No | xx | xx | xx | v4 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 33385 | 08/18/2025 | 6.610% |  |  | No | 7.454% |  | 7.250% |  | xx | No | xx | xx | xx | xx | xx | xx | $0.00 | xx | $0.00 | Yes | xx FL | xx | xx | Monthly | 0.00% | 46.86% | 42.77% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Asset Depletion – Total Asset Calculation | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | Yes | No | 60 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - 2025 - 2025 \|\| Co Borrower | Borrower - 2025 - 2025 \|\| Co Borrower | xx | xx | FL | xx | xx | 08/21/2025 | 08/21/2025 | 08/21/2025 |  |  | 682 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | xx | United States | xx |  |  | I-551 Permanent Resident Card |  | xx | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | xx | United States | xx |  |  | I-551 Permanent Resident Card |  | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 64.9 | No | xx | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 85448 |  |  | xx | xx | xx | No | xx | xx | xx | v2.2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7285 | 08/11/2025 | 6.630% |  |  | No | 11.128% |  | 10.625% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx CA | xx | xx | Monthly | 0.00% | 46.90% | 45.25% | 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 | 187 | 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 | xx | xx | CA | xx | xx | 06/24/2025 | 06/24/2025 |  |  |  | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | United States | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xx | 0.7 | xx | 40.9 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xx |  |  |  |
| xx | 85898 |  |  | xx | xx | xx | No | xx | xx | xx | V5.6 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 15910 | 09/08/2025 | 6.540% |  |  | No | 7.919% |  | 7.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | $0.00 | xx | $0.00 | N/A |  | $0.00 |  |  | 0.00% | 40.59% | 40.59% | No | No |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 291 | No | 0 NA | 0 | 0 | N/A 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, Lease Agreements Verified - 2024, 2025 \|\| Co Borrower - N/A - Lease Agreements Verified | Borrower - 2024, 2025 \|\| Co Borrower | xx | xx | CA | xx | xx | 08/08/2025 | 08/08/2025 | 08/08/2025 |  |  | 816 |  |  |  |  |  |  |  |  | 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 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | United States | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xx | 3.6 | xx | 59.1 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 85452 |  |  | xx | xx | xx | No | xx | xx | xx | V5.6 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 18670 | 08/25/2025 | 6.630% |  |  | No | 6.995% |  | 6.750% |  | xx | No | xx | xx | xx | xx | xx | xx | $0.00 | xx | $0.00 | N/A | xx CA | xx | xx | Monthly | 0.00% | 11.45% | 11.45% | No | No |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 33.33% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 247 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - N/A | Borrower - 2024, 2025 \|\| Co Borrower | xx | xx | CA | xx | xx | 08/22/2025 | 08/22/2025 | 08/22/2025 |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | United States | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | United States | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xx | 34.5 | xx | 34.7 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | xx | xx |  |  |
| xx | 85901 |  |  | xx | xx | xx | No | xx | xx | xx | v4 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 12790 | 09/01/2025 | 6.570% |  |  | No | 6.749% |  | 6.375% |  | xx | No | xx | xx | xx | xx | xx | xx | $0.00 | xx | $0.00 | N/A | xx FL | xx | xx | Monthly | 0.00% | 0.00% | 0.00% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Asset Utilization (No DTI) | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 60 | Yes | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion - 2025 - 2025 | Borrower - 2025 - 2025 | xx | xx | FL | xx | xx | 08/27/2025 | 08/27/2025 |  |  |  | 742 |  |  |  |  |  |  |  |  | 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 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | xx | 119.4 | xx | 119.4 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 85451 |  |  | xx | xx | xx | No | xx | xx | xx | V2.4 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7578 | 08/18/2025 | 6.610% |  |  | No | 10.430% |  | 10.000% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  | $0.00 |  |  | 0.00% | 26.91% | 26.91% | No | Yes |  |  |  |  |  |  | Retired | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes NA | No | No | 0 | No | Yes | N/A | 2 | 0 | Yes | Yes | 0 | 12 | 91.32% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 36 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability - Award Letter Verified, Personal Bank Statements Verified - 2025 - 2025 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025 - 2025 \|\| Co Borrower - 2025, 2024 | xx | xx | CA | xx | xx | 09/15/2025 | 09/15/2025 | 09/15/2025 |  |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | United States | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xx | United States | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | xx | 0.2 | xx | 55.5 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 85902 |  |  | xx | xx | xx | No | xx | xx | xx | V4 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 11165 | 09/08/2025 | 6.540% |  |  | No | 6.664% |  | 6.250% |  | xx | No | xx | xx | xx | xx | xx | xx | $0.00 | xx | $0.00 | Yes | xx CA | xx | xx | Monthly | 0.00% | 0.00% | 0.00% | No |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Asset Utilization (No DTI) | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 60 | Yes | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion - 2025 - 2025 | Borrower - 2025 - 2025 | xx | xx | CA | xx | xx | 09/03/2025 | 09/03/2025 |  |  |  | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | United States | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | xx | 113.4 | xx | 113.4 | No | xx | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.06

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.06 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redacted ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| xx | 85383 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  | xx | xx | .1316 | xx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 85389 |  |  | xx | xx |  | 0 | xx | xx | 1073 Individual Condo Report | xx | xx | xx | xx | xx | xx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0.0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 85388 |  |  | xx | xx |  | 0 | xx | xx | 1073 Individual Condo Report | xx | xx | xx | xx | xx | xx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0.0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 85246 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  | xx | 0.0 | .0000 | xx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 85382 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0.0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 85450 |  |  | xx | xx | xx | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0.0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 85662 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0.0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 85445 |  |  | xx | xx |  | 0 | xx | xx | 1073 Individual Condo Report | xx | xx | xx | xx | xx | xx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0.0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 85448 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0.0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 85898 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0.0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 85452 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0.0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 85901 |  |  | xx | xx | xx | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0.0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 85451 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0.0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 85902 |  |  | xx | xx | xx | 0 | xx | xx | 1073 Individual Condo Report | xx | xx | xx | xx | xx | xx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0.0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.06

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.06 - Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loan ID | Redacted IDs | 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? |
| xx | 85383 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | Yes | No | No | No | No | No | 24800 | 7.483 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 85389 |  |  | xx | 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 | N/A | Employed |  | No |  | Yes | Present |
| xx | 85388 |  |  | xx | 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 | N/A | Employed |  | No |  | Yes | Present |
| xx | 85246 |  |  | xx | 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 | 19990 | 7.187 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 85382 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 11071.25 | 8.682 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 85450 |  |  | xx | 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 | 61790 | 7.306 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 85662 |  |  | xx | 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 |  |  |  |  | No | No | Yes | Present |
| xx | 85445 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | Yes | No | No | No | No | No | 33385 | 7.454 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Not Employed | Not Employed | No | No | No |  |
| xx | 85448 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | Yes | No | No | No | No | Yes | 7285 | 11.128 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 85898 |  |  | xx | 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 | 15910 | 7.919 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed | Unknown | No | No | No |  |
| xx | 85452 |  |  | xx | 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 | 18670 | 6.995 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed | Unknown | No | No | No |  |
| xx | 85901 |  |  | xx | 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 | 12790 | 6.749 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 85451 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 7578 | 10.43 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Retired | Employed | No | No | No |  |
| xx | 85902 |  |  | xx | 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 | 11165 | 6.664 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Unknown |  | No |  | No |  |

---

## Exhibit 99.07

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.07**

Executive Summary

**4. Description of the Due Diligence Services**

**1.** **Type of Assets Reviewed** 

Inglet Blair, LLC ("IB") performed certain due diligence review services (the "Review"), as defined herein. The loans reviewed were originated from November 2019 to December 2020 and were collateralized by residential real estate purchased by the mortgagors for the purpose of generating rental income (the "Loans"). The Loans were acquired by MFA Financial, Inc. (the "Client") from lenders and/or aggregators (the "Seller"), via bulk acquisition or reliance letter. The information provided below represents the approach and methodology used at the time of original acquisition by the Seller. Each of the loans was acquired by the Seller from various lenders a lender through a delegated correspondent channel.

**2.** **Sample Size of Assets Reviewed** 

This report reflects 2 loans selected by the Client to include in (the "Securitization"). Client did not disclose to IB if additional loans are included in the Securitization. While the Client may have included additional loans in the Securitization, such loans were not subject to the Review referenced herein. IB reviewed 100% of the Loans provided by the Client and can only assume the sample size was 100%.

**3.** **Sample Size Determination** 

The Client, in its sole discretion, determined the loans to be reviewed by IB. As noted in Section 2 above, Client provided IB with 2 loans, all of which were reviewed by IB. Therefore, IB used no sampling methodology in its Review.

**4.** **Information and Data Integrity** 

IB was provided certain data elements (the "Tape Data"), which were supplied by the Seller. The Seller aggregated the Tape Data from the various lenders. Each lender did not supply Seller with uniform Tape Data; thus, individual Loan Tape Data may not have included all data elements as detailed below in this Section 4. IB subsequently mapped and compared the Tape Data to information contained in each Loan file. When the data was provided, IB compared the following fields:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**Field Name** |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Total Debt to Income Ratio |
| &nbsp;&nbsp;Amortized Original Term | &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;ARM Initial Adjustment Period | &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;ARM Initial Rate Cap | &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;ARM Lookback Period | &nbsp;&nbsp;Loan Term |
| &nbsp;&nbsp;ARM Margin | &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;ARM Maximum Interest Rate | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;ARM Minimum Interest Rate | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;ARM Payment Change Frequency | &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;ARM Periodic Rate Cap | &nbsp;&nbsp;Original Interest Rate |

---

Inglet Blair, LLC Deal Summary

MFA 2025-NQM5

pg. 1

---

| | |
|:---|:---|
| &nbsp;&nbsp;ARM Periodic Rate Cap at first Adjustment Down | &nbsp;&nbsp;Original Principal and Interest |
| &nbsp;&nbsp;ARM Periodic Rate Cap at first Adjustment Up | &nbsp;&nbsp;Original Principal Balance |
| &nbsp;&nbsp;ARM Rate Cap at first Adjustment Down | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;ARM Rate Cap at first Adjustment Up | &nbsp;&nbsp;Representative Credit Score |
| &nbsp;&nbsp;ARM Rate Change Frequency | &nbsp;&nbsp;Residual Income |
| &nbsp;&nbsp;ATR/QM Designation | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Subject Address |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Subject City |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;Subject State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Subject Zip Code |

---

**5.** **Underwriting, Origination Practices and Conformity to Guidelines and/or Criteria** 

Each Loan was reviewed to the applicable guideline, matrix and/or finding report, produced by an Automated Underwriting System ("AUS"), as provided to IB. Depending on the applicable guideline requirements, IB verified, recalculated and compared certain metrics and attributes:

- Debt to Income ("DTI")

- Debt Service Coverage Ratio ("DSCR")

- Loan to Value ("LTV") / Combined Loan to Value ("CLTV")

- Lien Position

- Gross Income

- Qualifying Principal, Interest, Taxes and Insurance ("PITI") payment

- Assets and Reserves

- Monthly debt service

- Residual Income

- Occupancy

- Property Type

To the extent prescribed by the applicable guidelines, every Loan received an evaluation of the applicable borrower's employment, income, assets and credit history as follows:

Employment and Income:

- Meets the guidelines and, as applicable, regulatory documentation requirements

- Creditor income calculations are reasonable and as prescribed by the applicable guidelines

- Ensure borrower(s) is/are currently employed

Assets

- Confirm asset source and documentation requirements

- Re-calculate gross, net and liquid asset balances

- Incorporate gift funds and sourcing documentation

- Confirm and calculate reserve calculations

Credit Report

- Determine representative Credit Score and Methodology

- Number of tradelines

Maximum amount of open tradelines

- Mortgage/Rental payment history

- Installment and Revolving payment history

- Bankruptcy and Foreclosure seasoning

Inglet Blair, LLC Deal Summary

MFA 2025-NQM5

pg. 2

- OFAC Alert(s)

Credit Application (FNMA Form 1003)

- Substantially complete

- Employer and employment status

- Confirmation of loan purpose and occupancy

- Disposition and status of Real Estate Owned (REO)

- First time home buyer status

- Citizenship and eligibility

Title Review - For each Loan the title commitment or, if present, final title policy was reviewed to confirm:

- Vestee(s)

- Title interest – Fee Simple or Leasehold

- Tax liens, encumbrances, encroachments and/or other title defects were satisfied or addressed

Fraud Report – IB reviewed each Loan file for the presence of a fraud report with all material findings addressed surrounding borrower name variances, social security number discrepancies, subject-property occupancy or employment history.

Hazard and Flood Insurance – Each Loan was reviewed to ensure that (i) each hazard policy limit met the applicable guideline requirement (ii) the property address was correct (iii) the premium was accurately reflected in the DTI calculation and (iv) escrowed where required.

Similarly, where the flood certificate indicates the property improvements were located in a flood zone, IB confirmed the coverage met the guideline requirements and, where applicable, the premium escrowed.

Closing/Legal Documents – All Loans received a review of the closing documentation. This includes the note, mortgage (and applicable riders), assignments, mortgage insurance certificates, underwriter approvals, and HUD-1 or Closing Disclosure, as applicable, are executed by all applicable parties and generally convey the terms of the Loan.

The information and findings provided herein were based on the information provided in the loan file images presented at the time of review.

**6.** **Collateral Review and Methodology** 

To establish reasonable support for the original appraised value, each qualifying appraisal was accompanied by one of the following: (i) an existing desk review report provided by the originator (or issuer), (ii) a second full appraisal (typically required by the guidelines) (iii) a FNMA Collateral Underwriter ("CU") analysis with a score of 2.5 or less. In the event a loan did not contain any of the supplemental documentation, IB ordered an AVM, desk review or field review to fulfill the requirement. If any of the supplemental material(s) had an estimate of value that was lower than the original appraised value by 10% (or more), a field review (or suitable alternative) was obtained.

Each Loan was analyzed to confirm it was sufficiently collateralized by real property, and each appraisal was audited to address the following FIRREA/USPAP rules and standards:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Was
 the appraisal prepared for a financial services institution?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Does
 the appraisal state the definition of Market Value?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Does
 the appraisal indicate the appraiser's license or certification, number and expiration
 date?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Does
 the appraisal disclose any extraordinary assumptions, hypothetical conditions? Does the
 appraisal include a statement of assumptions and limiting conditions?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If yes,
 do the items appear to be reasonable?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Is
 a minimum 3-year subject sale history included?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Does
 the report state the effective date of the appraisal?

Inglet Blair, LLC Deal Summary

MFA 2025-NQM5

pg. 3

&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Does
 the appraisal summarize the process used to collect, confirm, and report data?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Does
 the appraisal state the subject's highest and best use?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Does
 the appraisal clearly identify the real estate being appraised?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Does
 the appraisal state the real property interest being appraised?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Does
 the report contain sufficient information?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. Was
 the appraisal reported on a FNMA appraisal form?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If yes,
 was the form materially complete?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Which
 of the industry recognized methods of valuation were included that may have been utilized
 to support the institution's decision to engage in the transaction?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Direct
 Sales Comparison Approach, Cost Approach, or Income Approach?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If any
 of these approaches have been omitted or excluded, is there sufficient explanation provided
 as to why?

**7.** **Regulatory Compliance Review to Federal, State and Local Lending Laws** 

All Loans deemed to be consumer purpose loans were submitted to an automated regulatory compliance review. The system tested each applicable Loan for adherence to certain federal, state and local consumer protection laws related to mortgage lending. For the one (1) business purpose loans, no compliance testing was completed, and a compliance grade of "A" was assigned.

All applicable tests and disclosure reviews were graded in accordance with the SFA RMBS 4.0 TRID Compliance Review Scope standard as described below.

- Federal Truth in Lending Act– Regulation Z

○ Consumer Handbook on Adjustable Rate Mortgages (1026.19(b)(1))

● Confirm acknowledgement of receipt by the borrower or documentary evidence disclosure was delivered to the borrower(s)

○ Your Home Loan Toolkit (1026.19(g)(1))

● Confirm acknowledgement of receipt by the borrower or documentary evidence disclosure was delivered to the borrower(s)

● Provided within 3 business days of application

○ Federal High-cost (1026.32)

● Identify points and fees and/or APR threshold test failures

● Prepayment Penalty restrictions

○ Higher-priced Mortgage Loans (1026.35)

● APR Threshold with the corresponding appraisal and escrow requirements

○ Right of Rescission (1026.23)

● Review accuracy, timing and content of disclosure(s)

● Confirm all requisite consumers received notice and correct form

○ Qualified Mortgage Rule (1026.43(e))

● Perform points and fees test to confirm 3% threshold

● Adherence to Appendix Q and DTI below 43% or Temp QM

● Application Dates of 1/10/2014 to 2/28/2021

● Adherence to Appendix Q and DTI below 43% and/or Temp QM and/or APR/APOR threshold testing

● Application Dates of 3/1/2021 to 6/30/2021

● Adherence to Appendix Q and DTI below 43% and/or APR/APOR threshold testing

● Application Dates of 7/1/2021 to 9/30/2022

● APR/APOR threshold testing

● Application Dates on or after 10/1/2022\*

○ Subject to any guidance updates from regulators

● Loan does not contain "risky feature" (IO, Negative Amortization, etc.)

Inglet Blair, LLC Deal Summary

MFA 2025-NQM5

pg. 4

&nbsp;&nbsp;&nbsp;&nbsp;

● Contain a valid and approved AUS, as applicable

● Ability-to-Repay ("ATR") (1026.43(c)(2) – IB reviewed each Loan for the applicable mortgagor's ability to repay; however, there is no representation or warranty, implied or otherwise, that a court (or other administrative/legislative authority) will agree with the determination. IB objectively confirmed the following eight (8)-factors had been considered and, where applicable, documented:

● (i) The consumer's current or reasonably expected income or assets, other than the value of the dwelling, including any real property attached to the dwelling, that secures the loan;

● (ii) If the creditor relies on income from the consumer's employment in determining repayment ability, the consumer's current employment status;

● (iii) The consumer's monthly payment on the covered transaction, calculated in accordance with paragraph (c)(5) of this section;

● (iv) The consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made, calculated in accordance with paragraph (c)(6) of this section;

● (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 in accordance with paragraph (c)(7) of this section; and

● (viii) The consumer's credit history.

○ TRID (1026.36, 37)

○ Loan Estimate ("LE")

● Initial LE was provided within three (3) business days of application as provided by the broker or creditor and loan does not consummate within seven (7) business days of receipt

● Provided within three (3) business days of a valid Change of Circumstance

● Complete in all material respects

● Contains NMLS ID

● Confirm the "In 5 Years" calculation is not over disclosed

○ Final Closing Disclosure ("CD")

● Confirm creditor provided CD no later than three (3) business days of consummation and confirm all relevant fields are complete

● Ensure technical requirements are met – Rounding, Alphabetization, Number of Fees per category and title fees properly labeled

● Recalculation of the Finance Charge, Amount Financed, Total of Payments ("TOP"), and Total Interest Payments ("TIP")

● Projected Payments - Re-calculation of Principal and Interest payment(s), verified escrow and insurance payments, interest only periods and final balloon payments are present and displayed in the correct number of columns

● Adjustable Interest Rate and Adjustable Payment Tables are present, complete and accurate, if applicable

● No fee charged for preparation of LE or CD

● Fee descriptions conform with clear and conspicuous standard

● Loan terms match that of the subject loan – balance, rate, term, prepayment penalty

● Loan Disclosures section is complete – Late Payment matches the note and the escrow section is consistent within the disclosure

○ Fee and Tolerance Testing - Zero and ten percent (10.0%) tolerance testing, including the presence, timing and a validation of a change of circumstance and corresponding fee changes

○ Evidence Service Provider List and Your Home Loan Toolkit, if applicable, were provided or present in the loan file

Inglet Blair, LLC Deal Summary

MFA 2025-NQM5

pg. 5

&nbsp;&nbsp;&nbsp;&nbsp;

○ LE and CD form(s) provided to the borrower are consistent across the loan process

○ NMLS ID is present on the loan application, note, security instrument, LE and CD, as applicable

○ Items not tested, include but are not limited to:

● Categorization of fees in the appropriate section

● Accuracy of information for fields not expressly stated above

● Presence and accuracy of the Seller's Transaction columns on the Seller's columns

○ State High-cost and Predatory lending regulations

○ RESPA disclosures

● Confirm GFE and HUD-1

● Special Information Booklet

● Notice of Servicing Transfer

● Affiliated Business Arrangement Disclosure

● Homeownership Counseling Disclosures

○ Equal Credit Opportunity Act

● Presence, acknowledgement and timing of the Right to Receive Copy of Appraisal Disclosure

Structured Finance Association ("SFA") organized and led an initiative to establish a framework for Third-Party Reviewer's ("TPR") to evaluate and grade loans subject to the Know Before You Owe Act, also commonly referred to as TILA-RESPA Integrated Disclosure ("TRID"). While all grades and conclusions are established in good faith, the grading scheme materiality and impact for certain exceptions may change from time to time, and thus, all reports contain Interpretation Risk. Under no circumstance should the Client, any potential investors or other individual party solely rely on the interpretations made by IB, SFA, or its outside counsel.

Please be advised that IB is not a law firm, does not employ personnel who are licensed to practice law and the exceptions, observations and conclusions provided by IB are not legal opinions. IB relies upon the advice of outside counsel, informal advice of regulators and industry practice to determine materiality.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**TRID Tested** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Yes | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;No | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |

---

**8.** **Any Other Type of Review** 

There was no other review performed.

Inglet Blair, LLC Deal Summary

MFA 2025-NQM5

pg. 6

&nbsp;&nbsp;&nbsp;&nbsp;

**5. Summary of Finding and Conclusions of Review**

The following tables represent the final NRSRO overall and component grades. The Overall grade is comprised of the lowest of the component grades.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Final Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Credit Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Compliance Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Property Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |

---

The following tables represent certain key attributes of the Loans and their frequency amongst the loan population.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Adjustable Rate Mortgage | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;1st | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary

MFA 2025-NQM5

pg. 7

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Cash Out: Other/Multipurpose/ <br> Unknown purpose  | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Single Family Detached (non-PUD) | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;**00.01- 10.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10.01- 20.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20.01- 30.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30.01- 40.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**40.01- 50.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**50.01- 60.00** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**60.01- 70.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**70.01- 80.00** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**80.01- 90.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**90.01- 100.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**CLTV** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;**00.01- 10.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10.01- 20.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20.01- 30.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30.01- 40.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**40.01- 50.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**50.01- 60.00** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**60.01- 70.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**70.01- 80.00** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**80.01- 90.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |

---

Inglet Blair, LLC Deal Summary

MFA 2025-NQM5

pg. 8

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**90.01- 100.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary

MFA 2025-NQM5

pg. 9

## Exhibit 99.07

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.07 - Schedule 1**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID (Purchasing Lender)** | **Loan Number (Selling Lender)** | **Loan Status** | **Final Overall Event Level** | **Final Credit Event Level** | **Final Compliance Event Level** | **Final Property Event Level** | **Credit Exceptions** | **Compliance Exceptions** | **Property Exceptions** | **Compensating Factors** | **Immaterial/Waived** | **Lender Commentary** | **Cleared Exceptions** | **Exceptions** |
| 44879 | XXX | Approved | 2 | 1 | 2 | 1 |  |  |  | No Apparent Right to Statutory Damages - Override to EV2 due to Immaterial Issue.; | HUD 0027 Missing evidence of the Seller HUD1 - Seller settlement statement not provided for review., Compensating Factors: No Apparent Right to Statutory Damages (Override to EV2 due to Immaterial Issue.) |  |  |  |
| 48518 | XXX | Sold | 1 | 1 | 1 | 1 |  |  |  |  |  |  |  |  |

---

## Exhibit 99.07

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.07 - Schedule 2**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID (Purchasing Lender)** | **Loan Number (Selling Lender)** | **Exception ID** | **Exception ID Date** | **Condition Category** | **Condition Standardized Description** | **Condition ID** | **Exception Level** | **Status** | **Condition Custom Description** | **Cleared Date** | **Compensating Factors** | **Lender Response** | **Comments** | **Loan Status** |
| 44879 | XXX | 565598 | 12/11/2019 | Compliance | Missing evidence of the Seller HUD1 | HUD 0027 | 2 | Acknowledged | Seller settlement statement not provided for review. |  | No Apparent Right to Statutory Damages - Override to EV2 due to Immaterial Issue.; |  | Mitigated Risk: Override to EV2 due to Immaterial Issue. | Approved C B |

---

## Exhibit 99.07

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.07 - Schedule 3**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID (Purchasing Lender)** | **Loan Number (Selling Lender)** | **Final Overall Event Level** | **State** | **Lien Position** | **Loan Purpose** | **QM Designation Type** |
| 44879 | XXX | 2 C B A | NJ | 1 | Purchase | Not Covered / Exempt |
| 48518 | XXX | 1 A | OR | 1 | Cash Out Refinance | Non-QM / Compliant |

---

## Exhibit 99.07

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.07 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID (Purchasing Lender)** | **Loan Number (Selling Lender)** | **Final Overall Event Level** | **S&P QM/ATR Designation** | **Fitch QM/ATR Designation** | **Moody's QM/ATR Designation** | **Kroll QM/ATR Designation** | **DBRS QM/ATR Designation** | **Amortization Type** | **Initial Application Date** | **Originator DTI (ASF)** | **DTI** | **Points/Fees Total** | **Points/Fees Total without reductions resulting from 'bona fide discount points'** | **Rate Lock Date** | **Residual Income** | **GSE Eligible** | **Case ID / LP AUS Key** | **APR** | **Borrower Employment Status** | **Co-Borrower Employment Status** | **Borrower 3 Employment Status** | **Borrower 4 Employment Status** | **Borrower Residency Status** | **Co-Borrower Residency Status** | **Borrower 3 Residency Status** | **Borrower 4 Residency Status** | **Qualifying Interest Rate** | **APOR (if applicable)** |
| 44879 | XXX | 2 B | Not Covered / Exempt | Not Covered / Exempt | Not Covered / Exempt | Not Covered / Exempt | Not Covered / Exempt | 5/1 or 5/6 mos. ARM | XX/XX/XXXX |  |  |  |  | XX/XX/XXXX |  | No |  | X.XXX% | XXX | XXX |  |  | XXX | XXX |  |  | 6.8750% |  |
| 48518 | XXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | 5/1 or 5/6 mos. ARM | XX/XX/XXXX | 45.8700 | 45.87% | 28951.16 | 28951.16 | XX/XX/XXXX | 7843.32 | No |  | X.XXX% | XXX |  |  |  | XXX |  |  |  | 5.8750% | X.XXX% |

---

## Exhibit 99.07

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.07 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 |
| **Loan ID (Purchasing Lender)** | **Loan Number (Selling Lender)** | **Final Overall Event Level** | **S&P QM/ATR Designation** | **Fitch QM/ATR Designation** | **Moody's QM/ATR Designation** | **Kroll QM/ATR Designation** | **DBRS QM/ATR Designation** | **Amortization Type** | **Initial Application Date** | **Originator DTI (ASF)** | **DTI** | **Points/Fees Total** | **Points/Fees Total without reductions resulting from 'bona fide discount points'** | **Rate Lock Date** | **Residual Income** | **GSE Eligible** | **Case ID / LP AUS Key** | **APR** | **Borrower Employment Status** | **Co-Borrower Employment Status** | **Borrower 3 Employment Status** | **Borrower 4 Employment Status** | **Borrower Residency Status** | **Co-Borrower Residency Status** | **Borrower 3 Residency Status** | **Borrower 4 Residency Status** | **Qualifying Interest Rate** | **APOR (if applicable)** | **Borrower 3 Employment Verification** | **Borrower 4 Employment Verification** | **Occupancy** | **Most Recent Pay History** | **Credit-based Modification Flag** | **Type of Modification** | **Modification Term** | **Servicing Transfer Date** | **Third Borrower Original FICO: Equifax** | **Third Borrower Original FICO: Experian** | **Third Borrower Original FICO: TransUnion** | **Third Borrower Original FICO Score** | **Third Borrower Original Score Date** | **Most Recent Fico Score _Updated_Current_Borrower 3** | **Most Recent Fico Score Date Current_Updated_Borrower 3** | **Fourth Borrower Original FICO: Equifax** | **Fourth Borrower Original FICO: Experian** | **Fourth Borrower Original FICO: TransUnion** | **Fourth Borrower Original Score** | **Fourth Borrower Original Score Date** | **Most Recent Fico Score _Updated Current_Borrower 4** | **Most Recent Fico Score Date_Updated_Current_Borrower 4** | **Primary Borrower Updated_Current FICO: Equifax** | **Primary Borrower Updated_Current FICO: Experian** | **Primary Borrower Updated_Current FICO: TransUnion** | **Most Recent FICO Score_Updated_Current_Primary Borrower** | **Most Recent FICO Score Date_Updated_Current_Primary Borrower** | **Secondary Borrower Updated_Current FICO: Equifax** | **Secondary Borrower Updated_Current FICO: Experian** | **Secondary Borrower Updated_Current FICO: TransUnion** | **Most Recent FICO Score_Updated_Current_Secondary Borrower** | **Most Recent FICO Score Date_Updated_Current_Secondary Borrower** | **FN Alternative Credit Documentation** | **UW Guideline Author** | **UW Guideline Name** | **UW Guideline Program** | **Originator Credit Grade** | **Correspondent Name** | **Qualifying Credit Score** | **Qualifying Home Value for LTV** | **HOA Flag** | **HOA Monthly Premium Amount** | **Income Doc Source (m) - Bank Statements/Personal** | **Income Doc Source (m) - Bank Statements/Business** | **Income Doc Source (m) - W2** | **Income Doc Source (m) - Tax Returns** | **Income Doc Source (m) - Asset Depletion** | **Income Doc Source (m) - P&L** | **Income Doc Source (m) - Other** | **Asset Verification (d)** | **Borrower 2 Asset Verification (d)** | **Borrower 3 Asset Verification (d)** | **Borrower 4 Asset Verification (d)** | **Borrower 1 Doc Type** | **Borrower 2 Doc Type** | **Borrower 3 Doc Type** | **Borrower 4 Doc Type** | **DSCR Qualification Flag** | **DSCR DTI** | **Actual In-Place Rent (Yr)** | **Third Party Market Rent (Yr)** | **Rent Loss Insurance (m)** | **Recourse** | **Executed NOO Docs In File** | **# Units** | **Lease In Place Flag** | **Short Term Rental Income Flag** | **Borrower Type** | **# Mtg Prop (With Lender)** | **# of Properties** | **Year Built** | **Total Sq Ft** | **Property Condition** | **# Beds** | **# Baths** | **Section 8** | **Acquisition Cost** | **Renovation Cost** | **UW Gross Potential Rent** | **UW Economic Vacancy** | **UW Effective Gross Income** | **UW RE Taxes** | **UW Ins Costs** | **UW Prop Mgmt Fee** | **UW Turnover Costs** | **UW Repairs and Maintenance** | **UW Marketing and Leasing Costs** | **UW Utilities** | **UW Other Costs** | **UW HOA Fees** | **UW Cap Ex Reserve** | **Lease End Date** | **Borrower 1 Name** | **Borrower 2 Name** | **Borrower 3 Name** | **Borrower 4 Name** | **Guarantor 1 Name** | **Guarantor 1 Equifax Score** | **Guarantor 1 Experian Score** | **Guarantor 1 Transunion Score** | **Guarantor 1 Most Recent Tri-Merge Score** | **Guarantor 1 Most Recent Tri-Merge Score Date** | **Guarantor 1 Total Income** | **Guarantor 1 Total Debt** | **Guarantor 2 Name** | **Guarantor 2 Equifax Score** | **Guarantor 2 Experian Score** | **Guarantor 2 Transunion Score** | **Guarantor 2 Most Recent Tri-Merge Score** | **Guarantor 2 Most Recent Tri-Merge Score Date** | **Guarantor 2 Total Income** | **Guarantor 2 Total Debt** | **ACH Payments** | **Tape Cut-Off Date** | **Annual Property Tax** | **Annual Insurance Costs** | **Months Foreclosure** | **ForeClosure Resolution Date** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Bankruptcy Resolution Date** | **Months Deed-in-Lieu** | **Deed-in-Lieu Resolution Date** | **Months Short Sale (or Pre-FC)** | **Short Sale Resolution Date** | **Months Modification** | **Modification Date** | **Prior Mtg/Rent Late (30d in 12m)** | **Prior Mtg/Rent Late (60d in 12m)** | **Prior Mtg/Rent Late (90d in 12m)** | **Life Event LOE** | **Life Event Documented** | **Prior Occupancy Type** | **Number of Prior Credit Events** | **Regulatory Loan Purpose** | **QM - Agency UW Test** | **Non-QM Reason - Product Type** | **Non-QM Reason - DTI Test (> 43 App Q)** | **QM/ATR Exempt Reason** | **TRID Applicable** | **Full SFIG TRID 4.0 Scope Reviewed** | **Collateral Underwriter ("CU") risk score** | **Leasehold Flag** | **U/W Doc Type** | **Originating Lender** | **Verifiable Income Months (Borrower)** | **Verifiable Income Months (Co-Borrower)** | **Verifiable Income Months (Borrower 3)** | **Verifiable Income Months (Borrower 4)** | **Bank Statements Flag** | **Number of Statements** | **Actual # Evaluated** | **Type of Statements** | **Percent of Income From Statements** | **Business Ownership Percentage** | **Expense Ratio** | **Source of Expense Ratio** | **Evidence of associated business account** | **Industry / Occupation** | **Shared Appreciation Option Agreement?** | **Shared Appreciation Option Agreement Provider** | **MERS Loan ID** | **Borrower SSN** | **Co-Borrower SSN** | **Borrower 3 SSN** | **Borrower 4 SSN** | **Monthly Hazard Insurance** | **Monthly Taxes** | **Entity Name** | **EIN (Employer Identification Number)** | **Qualifying P&I** | **Original P&I** | **PITIA** | **Monthly Flood** | **Monthly MI** | **Monthly HOA** | **Monthly Maint/Other** | **Cash Out Used for Reserves** | **Months Reserves** |
| 44879 | XXX | 2 B | Not Covered / Exempt | Not Covered / Exempt | Not Covered / Exempt | Not Covered / Exempt | Not Covered / Exempt | 5/1 or 5/6 mos. ARM | XX/XX/XXXX |  |  |  |  | XX/XX/XXXX |  | No |  | X.XXX% | XXX | XXX |  |  | XXX | XXX |  |  | 6.8750% |  |  |  | Investor Owned |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX |  | 641 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 0.859375 |  | XXX |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXXX | XXX | XXX | XX | XX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | 3 | 0 | 0 |  |  |  | 0 | Business |  |  |  | Investor | No | No |  | XX | DSCR | XXX |  |  |  |  | No |  |  |  |  |  |  |  |  |  | No |  |  | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |
| 48518 | XXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | 5/1 or 5/6 mos. ARM | XX/XX/XXXX | 45.8700 | 45.87% | 28951.16 | 28951.16 | XX/XX/XXXX | 7843.32 | No |  | X.XXX% | XXX |  |  |  | XXX |  |  |  | 5.8750% | X.XXX% |  |  | Owner Occupied |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX |  |  | 687 | XXX | XXX | XXX |  |  | 15 |  |  |  |  | 190 |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX | XXX |  |  | XXX |  | XXX | XXXX | XXX | XXX | XX | XX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | 3 | 2 | 0 |  |  |  | 0 | Consumer |  | Y | Y |  | Yes | Yes |  | XX | Full/Alternate | XXX | 15 |  |  |  | No |  |  |  |  |  |  |  |  |  | No |  | XXX | XXX |  |  |  | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX |

---

## Exhibit 99.07

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.07 - Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Seller Loan ID** | **TILA Status** | **Application Date** | **TRID** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Qualifying Rate** | **Borrower Employment Indicator** | **Borrower Employer** | **Borrower Employment Description** | **Co Borrower Employment Indicator** | **Co-Borrower Employer** | **Co-Borrower Employment Description** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Borrower 3 Foreign National Indicator** | **Borrower 4 Foreign National Indicator** | **Did Borrower Qualify on an ITIN Program?** | **Did Co Borrower Qualify on an ITIN Program?** | **Did Borrower 3 Qualify on an ITIN Program?** | **Did Borrower 4 Qualify on an ITIN Program?** | **Residual Income** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Income Doc Detail** | **Tax Return Doc Details** | **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 12m)** | **Prior Mortgage/Rent Late (60d in 12m)** | **Prior Mortgage/Rent Late (90d in 12m)** | **Guideline Name** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Non-Warrantable Condominium?** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Market Trend** | **Subject Property Address** | **Subject Property City** | **Subject Property State** | **Subject Property Zip** | **Appraisal Company** | **Appraiser Name** | **Appraiser License Number** |
| 44879 | XXX | Not Covered / Exempt | XX/XX/XXXX | No | No |  |  | XX/XX/XXXX | X.XXX% | 6.8750% | XXX |  | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  | 0.00% | No | No |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 3 | 0 | 0 | XXX |  | XXX |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | NJ | XXX | XXX | XXX | XXX |
| 48518 | XXX | Non-QM / Compliant | XX/XX/XXXX | Yes | No |  |  | XX/XX/XXXX | X.XXX% | 5.8750% | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  | XXX |  |  | 0 |  |  |  |  | 45.87% | No | No |  |  |  | XXX |  |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 3 | 2 | 0 | XXX |  | XXX |  |  | X.XXX% | XXX |  |  |  |  | XXX | XXX | XXX | OR | XXX | XXX | XXX | XXX |

---

## Exhibit 99.07

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.07 - Schedule 7**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number (Selling Lender)** | **Loan Number (Purchasing Lender)** | **Data Field** | **Tape Data** | **IB Review Value** | **Discrepancy Comments** |
| XXX | 44879 | Loan Type | Conventional | Non-QM | Tape reflects Conventional--Review considered Non QM based on lender guideline and documentation type.<br>|
| XXX | 44879 | ARM Index |  | 1 Year US Treasury Constant Maturity (weekly) | Tape value 1-Year US Tres Constant Maturity. Review per Note (p440) 1 Year US Treasury Constant Maturity (weekly)<br>|
| XXX | 44879 | Citadel Credit Grade | ODF + | ODF | Tape reflects loan was approved as ODF+, Per the loan Approval and underwriting worksheet loan as approved as ODF DSCR +. |

---

## Exhibit 99.07

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.07 - Schedule 8**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** |  |  |  |
| **Seller Loan ID** | **Purchaser Loan ID** | **Origination Date** | **Original Loan Amount** | **Value used for LTV calculation** | **Sales Price** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Appraisal Value(s)** | **Appraisal Value(s)** | **Appraisal Value(s)** | **Appraisal Value(s)** | **Appraisal Value(s)** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Valuation Comments** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** |
| **Seller Loan ID** | **Purchaser Loan ID** | **Origination Date** | **Original Loan Amount** | **Value used for LTV calculation** | **Sales Price** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Second Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **AVM Product Name** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Valuation Comments** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** |
| XXX | 44879 | XX/XX/XXXX | XXX | XXX | XXX | No | No | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -2.98% | XX/XX/XXXX | 77.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |
| XXX | 48518 | XX/XX/XXXX | XXX | XXX | XXX | No | No | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |

---

## Exhibit 99.08

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.08**

**EXECUTIVE SUMMARY**

MFA 2025-NQM5

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by MFA Financial, Inc. The Review was conducted from March 2025 to October 2025 on mortgage loans originated from February 2025 to September 2025.

The Review consisted of 100% of the population of 62 loans with an original aggregate loan balance of $59,460,085.00.

**Scope of Review**

**Credit Review**

MaxDiligence performed a Credit Review to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The credit review included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check
 application for completeness. Determine whether the information in the preliminary Loan
 application, final application, and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
 Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare
 data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Check
 application is complete, signed, and dated, on or before loan consummation date, and
 the loan officer NMLS information is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting
 decision is supported (manual underwrite credit conditions have been satisfied prior
 to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation
 of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation
 of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
 of debt-to-income ("DTI") calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation
 of debt service coverage ratio ("DSCR") calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation
 of loan to value ("LTV") calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Validation
 of payment shock calculations, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. For
 each DSCR Loans, 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;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 of hazard coverage and verification that sufficient coverage

![](ex9908001.jpg)

was in place on subject and all premiums were included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Mortgage
 Insurance Certificate was in file, if applicable, and coverage was sufficient, and premium
 was included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review
 of rental income and /or market rents and validation of DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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
 for Business Purpose and Non-Owner Occupancy Certifications, as required according to
 the guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 address information associated with the borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determine
 if occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Determine
 if red flags were adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Reverification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate
 borrower name(s), social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Investigate
 and clear any alias

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 credit inquiries within ninety (90) days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable
 credit history and credit score requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 address information associated with the borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms
 OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals
 any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete
 forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate
 history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 employment and income by analyzing income documents and comparing against re-verification
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s
 and paystubs, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts
 (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax
 returns and profit and loss statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank
 Statements or other alternate income documents as required by the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/continuing
 employment, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Lease
 agreements and market rents, if applicable

![](ex9908001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient
 funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift
 funds verified and met guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete
 and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest
 money deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties
 are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller
 contributions are within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 all premiums are included in DTI and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate
 in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient
 coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium
 indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting
 correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien
 position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal
 description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate
 no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 security documents to ensure the Loan was closed in accordance with approval and with
 all required signatures and NMLS identifiers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct
 and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing
 Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right
 to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 and prior to October 1, 2022 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z of the Truth in Lending Act, as amended. Effective October 1, 2022, loans with application dates on or after such date must comply with the General QM Final Rule, as well as the ATR rule. For these Loans, MaxDiligence will (a) confirm that

![](ex9908001.jpg)

the creditor provided a QM designation and (b) review the Loan for the eight (8) underwriting factors set forth Section 12(E)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(A) MaxDiligence
 will review each mortgage loan to determine each mortgage loan's status under the
 QM and ATR rule requirements and assign a QM and ATR designation as determined by MaxDiligence.
 MaxDiligence will note as a material exception if its QM and ATR designations do not
 confirm to the originator's original QM and ATR designations. Additionally, MaxDiligence
 will note if an originator's mortgage loan designation was not provided. MaxDiligence
 shall use the following designations:

&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. MaxDiligence
 utilizes the following QM designations for applicable loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. QM
Safe-Harbor (also known as General QM)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. QM
 Rebuttal Presumption (including Higher-priced loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Temporary
 QM (for all applications prior to October 1, 2022)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Non-QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. MaxDiligence
 utilizes the following ATR designations for applicable loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. ATR
 Compliant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. ATR
 Fail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. ATR
 Exempt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(B) In
 order to determine the QM designation, as applicable, MaxDiligence will review each Loan
 for 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;a. Use
 of any risky mortgage loan features and terms (e.g. an interest only feature or negative
 amortization);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Do
 the "points and fees" exceed the applicable QM threshold;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Was
 monthly payment calculated appropriately;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Did
 the creditor considered and verify income or assets 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;e. Did
 the creditor appropriately considered debt obligations, alimony and child support;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For
 mortgage loan applications prior to October 1, 2022, if the DTI ratio exceeded 43% (calculated
 in accordance with Appendix Q to 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;g. For
 mortgage loan applications on and after October 1, 2022, for which the annual percentage
 rate does not exceed the average prime offer rate for a comparable transaction as of
 the date the interest rate is set by the amounts specified based on loan amount (adjusted
 annually on January 1 by the annual percentage change in the Consumer Price Index for
 All Urban Consumers (CPI-U) that was reported on the preceding June 1) and the lien position
 of the proposed credit:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. For
 a first-lien covered transaction with a loan amount greater than or equal to $110,260
 (indexed for inflation), 2.25 or more percentage points; or

![](ex9908001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For
 a first-lien covered transaction with a loan amount greater than or equal to $66,156
 (indexed for inflation) but less than $110,260 (indexed for inflation), 3.5 or more percentage
 points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. For
 a first-lien covered transaction with a loan amount less than $66,156 (indexed for inflation),
 6.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. For
 a first-lien covered transaction secured by a manufactured home with a loan amount less
 than $110,260 (indexed for inflation), 6.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. For
 a subordinate-lien covered transaction with a loan amount greater than or equal to $66,156
 (indexed for inflation), 3.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. For
 a subordinate-lien covered transaction with a loan amount less than $66,156 (indexed
 for inflation), 6.5 or more percentage points.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(C) Upon
 completion of Section 12(B) above, if a Loan is determined to be a QM loan, MaxDiligence
 will determine if the Loan is a Higher-Priced Mortgage Loan ("HPML") as defined
 by 12 CFR 1026.35:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. If
 the Loan is HPML, then the Loan shall be designated as QM Rebuttal Presumption (Higher
 Priced);

&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. If
 the Loan is not an HPML, then the Loan shall be designated as QM Safe Harbor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(D) Upon
 completion of Section 12(B) above, for each Loan that is designated as Non-QM, MaxDiligence
 then will determine whether the mortgage loan complies with the ATR rule, in accordance
 with the Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(E) MaxDiligence
 will evaluate the Loan for ATR compliance based on the following eight factors and will
 verify such information using reasonably reliable third-party records, 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;a. Income
 / Assets: Recalculate borrower(s)'s monthly gross income, and validate funds required
 to close and required reserves, to confirm that the borrower has current or reasonably
 expected income or assets (other than the value of the property that secures the Loan)
 that the borrower will rely on to repay the Loan. Review Loan documentation for required
 level of income and asset verifications.

&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. Employment:
 Review file documentation for required level of employment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Monthly
 Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used
 to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Simultaneous
 Loans: Ensure that all concurrent Loans were included in the DTI calculation, to properly
 assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Mortgage-Related
 Obligations: Validate that the subject Loan's monthly payment calculation includes
 principle, interest, taxes, and insurance, as well as other costs related to the property
 such as homeowners' association fees, private mortgage insurance, ground rental
 fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Debts
 / Obligations: Validate monthly recurring non-mortgage-related liabilities.

![](ex9908001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DTI
 / Residual Income - Validate DTI or "residual income," based upon all mortgage
 and non-mortgage obligations, calculated as a ratio of gross monthly income, based on
 documentation provided in the 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;h. Credit
 History: Review credit report for credit history and required credit depth, including
 any / all inquiries, and determine a representative credit score from the credit report.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(F) Upon
 completion of Section 12(E) above, MaxDiligence will assign an ATR designation.

**Property Review**

MaxDiligence performed a Property Review, which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Property Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence
 will review the valuation materials utilized during the origination of the loan to confirm
 the value of the underlying property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. MaxDiligence's
 review will include verifying the appraisal report for the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Appropriateness
 of valuation form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. All
 elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Ensure
 all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Property
 is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed
 by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Completed
 such that the named client on the appraisal report is the lender or a related entity
 that is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was
 performed for another lender, the file contains a transfer letter from the original lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The
 original appraisal report is made and signed prior to the final approval of the mortgage
 loan application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Any
 revisions, if made and known to MaxDiligence, to the original report are documented and
 dated completed and dated within the Guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. The
 original appraisal is 'As is' or Inspection received including all inspections,
 licenses, and certificates (including certificates of occupancy) to be made or issued
 with respect to all occupied portions of the mortgaged property and with respect to the
 use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Determine
 whether the appraised value is supported at or within 10% variance based on a third-party
 valuation product. If a third-party valuation product is in file but notes a variance
 above 10% or an inconclusive value, MaxDiligence will recommend a BPO or field review
 be ordered.

![](ex9908001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. With
 regard to the use of comparable properties, MaxDiligence's review will (a) review
 the relative comparable data (gross and net adjustments, sale dates and distance from
 subject property) and ensure that such comparable properties are within standard appraisal
 guidelines; (b) confirm the property value and square footage of the subject property
 was bracketed by comparable properties, (c) verify that comparable properties used are
 similar in size, style, and location to the subject, and (d) check for the reasonableness
 of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xii. Other
 aspects of MaxDiligence's review include (i) verifying that the address matched
 the mortgage note, ((ii) if requested, noting whether the property zip code was declared
 a FEMA disaster area after the valuation date and notifying the Client of same, (iii)
 confirming the appraisal report does not include any apparent environmental problems,
 (iv) confirming the appraisal notes the current use of the property is legal or legal
 non-conforming (grandfathered), (v) reviewing pictures to ensure (a) that the property
 is in average or better condition and any repairs are noted where required and (b) that
 the subject property is the one for which the valuation was ordered and that there are
 no negative external factors; and (vi) confirming that the value product that was used
 as part of the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If
 more than one valuation was provided, MaxDiligence will confirm consistency among the
 valuation products and if there are discrepancies that could not be resolved, MaxDiligence
 will create an exception and work with the client on the next steps which may include
 ordering of additional valuation products such as collateral desktop analyses, broker's
 price opinions, and full appraisals. If the property valuation products included in MaxDiligence's
 review result in a variance of more than 10% then the client will be notified of such
 variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. MaxDiligence
 will confirm, to the extent possible, that the appraiser and the appraisal made by such
 appraiser both satisfied the requirements of Title XI of FIRREA.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In
 addition, MaxDiligence will access the ASC database to verify that the appraiser, and
 if applicable the appraiser's supervisor, were licensed and in good standing at
 the time the appraisal was completed.

**Compliance Review**

Maxwell performed a "Compliance Review", which means that MaxDiligence reviewed each Loan to determine, as applicable and subject to the limitations below, whether the Loan complies with the applicable Federal, State, and local regulatory requirements, each as amended. A Compliance Review did not apply to business purpose loans.

The below Compliance Review is applicable to Loans with an application date on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>"). With regard to TRID testing, MaxDiligence implemented the TRID scope of review as detailed in (i) Section III -Regulatory Compliance of the SFA RMBS TRID Grid 4.0 Compliance Review

![](ex9908001.jpg)

Scope published by the Structured Finance Association (formerly SFIG) (the "SFA RMBS Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. On an ongoing basis, MaxDiligence reviews updated interpretations of TRID through informal guidance provided by the Consumer Financial Protection Bureau ("CFPB"), such CFPB guidance may cause changes in the review scope and severity of TRID related exceptions, including applicable cures. While MaxDiligence 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 the initial LE and confirm (i) the correct form was used; (ii) all sections of the Initial
 LE are completed; and (iii) the initial LE accurately reflects the information provided
 to MaxDiligence.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 there is a revised LE, confirm (i) that there is a "valid reason" for the
 revised LE; and (ii) that the revised LE was issued within three (3) days of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determine
 which LE in the file is the "final binding" LE for the purpose of Tolerance
 Testing. A revised LE that is issued after the CD, or that does not state a valid reason
 will not be used for the purposes of Tolerance Testing. All revised LEs issued to the
 consumer will be reviewed for accuracy of terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirm
 initial LE was delivered within three (3) business days from the application date, and
 at least seven (7) business days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm
 revised LE was delivered within three (3) business days from date of the "valid
 reason" giving rise to the Revised LE, and at least four (4) business days prior
 to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm
 that certain sections of each LE determined to carry assignee liability were accurately
 completed and that information was reflected in the appropriate locations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 the CD review and confirm (i) the correct form was used; (ii) all sections of the CD
 are completed; and (iii) the CD accurately reflects the information provided to MaxDiligence.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 a subsequent CD is issued, confirm (i) that there was a valid reason for the change;
 (ii) that the CD was issued within three (3) days of the change; and (iii) whether the
 reason for the change requires a new 3-day waiting period prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirm
 initial CD, and any subsequent CD with material changes (i.e. changes that require a
 new waiting period), was received at least three (3) business days prior to the consummation
 date. 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 sixty (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 sixty (60) days after consummation.

![](ex9908001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented by Regulation Z, 12 C.F.R.
 Part 1026, as set forth below:

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure
 to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure
 to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors
 in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure
 to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure
 to provide the three (3) business days rescission period; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. any
 material disclosure violation on a rescindable loan that gives rise to the right of rescission
 under TILA, which means the required disclosures of the annual percentage rate, the finance
 charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;16. <u>Tolerance Testing</u>. Compare the fees disclosed in the final binding LE to those in the final
 CD, and confirm that final CD fees are within the permitted tolerances. Confirm the total
 of payments are considered accurate as defined by Regulation Z. Confirm Finance Charge
 tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;17. <u>Subsequent Changes</u>. Review the file to determine (i) whether there is evidence that certain
 changes or errors (per the regulation) were discovered subsequent to closing, (ii) and
 whether the Loan originator followed the prescribed cure. Test for evidence such as a
 copy of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> "),
 and (iii) 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 sixty (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 sixty (60) days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;18. <u>Loan Toolkit (§1026.19)</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirm
 Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business
 days after receipt of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;19. <u>TILA</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points
 and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR
 threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 penalty test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance
 with the disclosure requirements, limitation on terms and prohibited acts or practices
 in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR
 threshold test; and

![](ex9908001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance
 with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With
 respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan
 Originator Compensation and Steering (§1026.36):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 relevant documentation to determine if compensation to a Loan Originator was based on
 a term of the transaction;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review
 relevant document to determine if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review
 the presence of the mortgage loan option disclosure and to determine if the Steering
 Safe Harbor provisions were satisfied.

● Note: Where available, MaxDiligence will reviewe 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, MaxDiligence's review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. <u>Homeownership counseling (§1026.36):</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;i. Determine
 if the creditor obtained proof of homeownership counseling in connection with a mortgage
 loan to a first-time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. <u>Mandatory Arbitration Clauses (§1026.36):</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;i. Determine
 if the terms of the mortgage loan require arbitration or any other non-judicial procedure
 to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance
 in jurisdictions where it is prohibited.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 for presence of mortgage loan originator organization and individual mortgage loan originator
 name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract,
 security instrument, Loan Estimate and Closing Disclosure; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;20. <u>RESPA</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 the presence of the Servicing Disclosure Statement form in the mortgage loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business
 days of application;

![](ex9908001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the presence of the Your Home Loan Toolkit/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;

&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. Confirm
 the Your Home Loan Toolkit /Special Information Booklet was provided within three (3)
 business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirm
 the presence of the CHARM booklet when 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;vi. Confirm
 that the CHARM booklet was issued within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm
 the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
 in the event the lender has affiliated business arrangements;

&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. Confirm
 the Affiliated Business Arrangement Disclosure was provided no later than three (3) business
 days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirm
 the Affiliated Business Arrangement Disclosure is executed;

&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. Confirm
 the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and
 proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirm
 that the creditor provided the borrower a list of homeownership counselling organizations
 within three (3) business days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xii. 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;21. <u>ECOA</u>:
 The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002,
 as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing
 and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging
 of a fee for a copy of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing
 of creditor providing a copy of each appraisal or other written valuation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;22. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

&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
 disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas
 Constitution and associated regulations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local
 Predatory Lending:

&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
 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;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay
 Penalties and Late Fees:

![](ex9908001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;23. <u>Exclusions</u>.
 MaxDiligence will not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan
 types that are excluded from compliance with TRID.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical
 formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other
 Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing
 transfer and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For
 Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after
 January 1, 2016, whether prohibited fees were collected prior to the initial LE being
 issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether
 any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Whether
 the loans comply with all federal, state or local laws, constitutional provisions, regulations
 or ordinances that are not expressly enumerated above.

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the loans received a grade "B" or higher with 79.03% of the pool receiving an Overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;49 | &nbsp;&nbsp;79.03% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;13 | &nbsp;&nbsp;20.97% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**62** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;49 | &nbsp;&nbsp;79.03% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;13 | &nbsp;&nbsp;20.97% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**62** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;61 | &nbsp;&nbsp;98.39% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.61% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

![](ex9908001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**62** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;62 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**62** | &nbsp;&nbsp;**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 Credit Grade of "A", a Compliance Grade of "B", and a Property Grade of "A" would receive an overall Loan Grade of "B").

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception**<br> **Type** | &nbsp;&nbsp;**Exception**<br> **Level**<br> **Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 3 Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Assets - Earnest Money Deposit | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Deed of Trust Signature does not match Note | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Calculated DSCR does not meet the Minimum DSCR allowed | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Cash Out Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Corporation/LLC: Certificate of Good Standing Doc is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Corporation/LLC: EIN Doc is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Corporation/LLC: Operating Agreement Doc is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Credit Documentation - Letter of Explanation | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Employment - Evidence of Self-Employment Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;FEMA Declared Disaster Area Post Closing Review | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;File does not contain all required Asset Statement(s) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Final Settlement Statement Missing. | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Gift Letter - Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Coverage Amount is less than Required Coverage Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income - Income Documentation Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Liabilities - REO | &nbsp;&nbsp;4 |

---

![](ex9908001.jpg)

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;Missing Business Purpose Affidavit | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;23 |
|  | &nbsp;&nbsp;Program Parameters - Guidelines Conformity | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;Program Parameters - Interested Party Contributions | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Program Parameters - Loan Purpose | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Purchase Contract - Addendum Missing | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;Title - Insufficient Insurance Coverage | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Title - Ownership Issue | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;Title Document Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***68*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Audited FICO is less than Guideline FICO | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Audited Loan Amount is less than Guideline Minimum Loan Amount | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Builder is in control of HOA | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Cash reserves less than required by guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Income - Income Documentation Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Program Parameters - Guidelines Conformity | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Program Parameters - Property Type | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions*** | &nbsp;&nbsp;***17*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;Missing Homeowner's Association Questionnaire | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;Property Issue - Condo Ineligible | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;60 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***62*** |
| &nbsp;&nbsp;Property &nbsp;&nbsp;B | &nbsp;&nbsp;Property Issue - Condo Ineligible | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Property Grade (B) Exceptions*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Closing Detail Statement Indicator is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Federal - Homeownership Counseling Disclosure Delivery | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing Doc - Homeownership Counseling Disclosure/Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing evidence Mortgage/Deed of Trust will be recorded | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;No Compliance Tests Performed | &nbsp;&nbsp;26 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;TRID: Missing Final Closing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;TRID: Missing Loan Estimate | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions*** | &nbsp;&nbsp;***63*** |

---

![](ex9908001.jpg)

**DATA TAPE INTEGRITY REVIEW SUMMARY**

As part of the Credit, Property, and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

Of the 62 mortgage loans reviewed, 26 unique mortgage loans (by loan count) had a total of 30 different tape discrepancies across 8 data fields (some mortgage loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With**<br> **Discrepancy** | &nbsp;&nbsp;**Total Times**<br> **Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;62 | &nbsp;&nbsp;1.61% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;2 | &nbsp;&nbsp;62 | &nbsp;&nbsp;3.23% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;62 | &nbsp;&nbsp;1.61% |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;20 | &nbsp;&nbsp;62 | &nbsp;&nbsp;32.26% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;62 | &nbsp;&nbsp;1.61% |
| &nbsp;&nbsp;Qualifying Total Monthly Liabilities | &nbsp;&nbsp;1 | &nbsp;&nbsp;62 | &nbsp;&nbsp;1.61% |
| &nbsp;&nbsp;Reviewed Total Debt Income Ratio | &nbsp;&nbsp;3 | &nbsp;&nbsp;62 | &nbsp;&nbsp;4.84% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;62 | &nbsp;&nbsp;1.61% |

---

**Event Grade Definitions**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Property Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The |

---

![](ex9908001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
|  | &nbsp;&nbsp;employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Property Event Grades** | &nbsp;&nbsp;**Property Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.08

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.08 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| 82829 | XXXX |  | XXXX | XXXX | XXXX | MD | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3554376 | 1 of 3 | 2025-03-07 14:41 | Credit | Program Parameters - Interested Party Contributions | The interested party contributions exceed allowable guidelines and cause the recalculated LTV to increase above program maximum allowed. Per guidelines the lender credit is not considered in the 2% maximum interested party contributions if it was for premium pricing. Please document the $XXXX lender credit was for premium pricing, or the contributions will exceed the guidelines. <br>|  | Document Uploaded. Lock confirmation showing XXXX pricing attached. Please clear condition - 03/07/2025 | Received Lock Confirmation with explanation that showed Lender Credit was to pay down rate. Lender Credit is not considered an XXXX. - 03/11/2025 |  | 2025-03-11 00:53 | Resolved | 3 | 1 | 3 | 1 |
| 82829 | XXXX |  | XXXX | XXXX | XXXX | MD | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3554377 | 2 of 3 | 2025-03-07 14:41 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-03-07 14:41 | Cleared | 1 | 1 | 3 | 1 |
| 82829 | XXXX |  | XXXX | XXXX | XXXX | MD | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 3554385 | 3 of 3 | 2025-03-07 14:41 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-03-07 14:41 | Cleared | 1 | 1 | 3 | 1 |
| 85453 |  |  | XXXX | XXXX | XXXX | HI | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5293703 | 1 of 3 | 2025-08-23 22:39 | Credit | Credit Documentation - Letter of Explanation | The loan file did not contain a letter of explanation as required. Per guidelines, if subject is Tenant occupied, and there is no lease in the loan file; #1 - a letter of explanation is required to explain why the Property is not in service or not currently subject to a lease, and #2 - document property is currently advertised for rent. <br>|  | Borrower qualified No ratio so no income used for loan; therefore no LOE or evidence of property currently listed required. Please clear condition. - 08/26/2025<br>| Received explanation. - 08/27/2025<br>|  | 2025-08-27 22:55 | Resolved | 3 | 1 | 3 | 1 |
| 85453 |  |  | XXXX | XXXX | XXXX | HI | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5293704 | 2 of 3 | 2025-08-23 22:40 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-23 22:40 | Cleared | 1 | 1 | 3 | 1 |
| 85453 |  |  | XXXX | XXXX | XXXX | HI | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5293705 | 3 of 3 | 2025-08-23 22:40 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-08-23 22:40 | Cleared | 1 | 1 | 3 | 1 |
| 85454 |  |  | XXXX | XXXX | XXXX | HI | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5292918 | 1 of 3 | 2025-08-23 16:45 | Credit | Credit Documentation - Letter of Explanation | The loan file did not contain a letter of explanation as required. Per guidelines, a signed letter from the Borrower disclosing the purpose of the cash-out must be obtained on all cashout transactions. This letter is missing from the loan file. <br>|  | Document Uploaded. - 08/26/2025<br>|  |  | 2025-08-28 04:17 | Resolved | 3 | 1 | 4 | 1 |
| 85454 |  |  | XXXX | XXXX | XXXX | HI | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5292920 | 2 of 3 | 2025-08-23 16:45 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-23 16:45 | Cleared | 1 | 1 | 4 | 1 |
| 85454 |  |  | XXXX | XXXX | XXXX | HI | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5309771 | 3 of 3 | 2025-08-25 22:05 | Compliance | Closing Detail Statement Indicator is Missing | Closing Detail Statement Indicator is Missing. The final settlement statement for the subject property is missing from the loan file. <br>|  | Document Uploaded. - 08/26/2025<br>| Closing Detail Statement Indicator is not Missing. - 08/28/2025<br>|  | 2025-08-28 04:19 | Resolved | 4 | 1 | 4 | 1 |
| 85322 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5166893 | 1 of 3 | 2025-08-13 19:09 | Compliance | Federal - Homeownership Counseling Disclosure Delivery | The Homeownership Counseling Disclosure Sent Date (XXXX) is more than 3 business days from the Application Date (XXXX). Three business days from the Application Date is (XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) The Homeownership Counseling is dated XXXX and I was unable to locate proof of electronic delivery at an early date. <br>|  | Document Uploaded. - 08/14/2025<br>| Received initial XXXX - 08/18/2025 |  | 2025-08-18 13:48 | Resolved | 3 | 1 | 3 | 1 |
| 85322 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5174176 | 2 of 3 | 2025-08-14 12:13 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-14 12:13 | Cleared | 1 | 1 | 3 | 1 |
| 85322 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5179300 | 3 of 3 | 2025-08-14 16:38 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-08-14 16:38 | Cleared | 1 | 1 | 3 | 1 |
| 85455 |  |  | XXXX | XXXX | XXXX | MA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5293423 | 1 of 4 | 2025-08-23 19:56 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-08-23 19:56 | Cleared | 1 | 1 | 3 | 1 |
| 85455 |  |  | XXXX | XXXX | XXXX | MA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5293427 | 2 of 4 | 2025-08-23 19:56 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-23 19:56 | Cleared | 1 | 1 | 3 | 1 |
| 85455 |  |  | XXXX | XXXX | XXXX | MA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5311199 | 3 of 4 | 2025-08-25 23:56 | Credit | Calculated DSCR does not meet the Minimum DSCR allowed | Per the loan file, the approved DSCR is listed as 1.055. However, the recalculated DSCR is 1.846, based on an ITIA payment of Interest: $XXXX; Taxes: $XXXX; Insurance: $XXXX; and HOA: $XXXX, totaling $XXXX. Using rental income of $XXXX, the DSCR calculates as $1XXXX ÷ $XXXX = 1.846. Please provide documentation supporting the DSCR of 1.055 reflected in the approval.  |  | Document Uploaded. Comments on the 1008 refer to DSCR calculation. Please see attached. - 08/26/2025<br>| documentation is sufficient - 08/28/2025<br>|  | 2025-08-28 04:05 | Resolved | 3 | 1 | 3 | 1 |
| 85455 |  |  | XXXX | XXXX | XXXX | MA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5311465 | 4 of 4 | 2025-08-26 01:47 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Please provide the mortgage payment history for the property located at XXXX. If the property is owned free and clear, submit documentation to verify this status.  |  | Document Uploaded. Please see property profile, property XXXX - 08/26/2025 | Property report is sufficient - 08/28/2025<br>|  | 2025-08-28 04:07 | Resolved | 3 | 1 | 3 | 1 |
| 85456 |  |  | XXXX | XXXX | XXXX | FL | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 5198790 | 1 of 3 | 2025-08-15 20:01 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-08-15 20:01 | Cleared | 1 | 1 | 2 | 2 |
| 85456 |  |  | XXXX | XXXX | XXXX | FL | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 5203167 | 2 of 3 | 2025-08-16 15:50 | Credit | Builder is in control of HOA | Builder is in control of HOA. Builder is still in control of HOA and will be until XXXX. A formal exception was done to allow. <br>|  |  |  | The exception was approved based on documented history of savings, stable employment, conservative use of revolving debt, excellent mortgage history since XXXX, residual income of over $XXXX, a low DTI and a loan LTV. | 2025-08-18 15:25 | Waived | 2 | 2 | 2 | 2 |
| 85456 |  |  | XXXX | XXXX | XXXX | FL | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 5203211 | 3 of 3 | 2025-08-16 16:04 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-16 16:04 | Cleared | 1 | 1 | 2 | 2 |
| 85323 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5025903 | 1 of 3 | 2025-08-01 16:56 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-08-01 16:56 | Cleared | 1 | 1 | 1 | 1 |
| 85323 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5029839 | 2 of 3 | 2025-08-01 20:40 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-08-01 20:40 | Cleared | 1 | 1 | 1 | 1 |
| 85323 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5029840 | 3 of 3 | 2025-08-01 20:40 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-01 20:40 | Cleared | 1 | 1 | 1 | 1 |
| 86040 |  |  | XXXX | XXXX | XXXX | FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5895534 | 1 of 4 | 2025-10-15 00:47 | Credit | Audited FICO is less than Guideline FICO | Audited FICO is less than guideline FICO. Per guidelines- Minimum 660 FICO score required. Loan approved with FICO score 657. A formal exception is in file. <br>|  |  |  | Compensating factors-1) Good mortgage payment history 0x30. 2) Established business 25 years. 3) Low LTV 49% with Max allowed 65%. | 2025-10-15 12:03 | Waived | 2 | 2 | 3 | 2 |
| 86040 |  |  | XXXX | XXXX | XXXX | FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5895582 | 2 of 4 | 2025-10-15 00:49 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-10-15 00:49 | Cleared | 1 | 1 | 3 | 2 |
| 86040 |  |  | XXXX | XXXX | XXXX | FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5898624 | 3 of 4 | 2025-10-15 12:03 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-10-15 12:03 | Cleared | 1 | 1 | 3 | 2 |
| 86040 |  |  | XXXX | XXXX | XXXX | FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5898812 | 4 of 4 | 2025-10-15 12:23 | Credit | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Coverage Amount - Hazard insurance amount is less than required coverage amount. No RCE documentation in file. Ln amount $XXXX. Dwelling $XXXX<br>|  | Document Uploaded. - 10/15/2025<br>| documentation meet requirements - 10/16/2025<br>|  | 2025-10-16 16:48 | Resolved | 3 | 1 | 3 | 2 |
| 85529 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5503225 | 1 of 5 | 2025-09-11 16:48 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-11 16:48 | Cleared | 1 | 1 | 3 | 2 |
| 85529 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5527669 | 2 of 5 | 2025-09-13 13:37 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-13 13:37 | Cleared | 1 | 1 | 3 | 2 |
| 85529 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5530282 | 3 of 5 | 2025-09-14 19:29 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Missing statement from tax attorney that he is not affiliated/associated with the borrower's business. Guidelines require this statement for the P&L Only program. <br>|  | Document Uploaded. Updated exception attached. Please clear condition - 09/18/2025 <br> Document Uploaded. Our current guidelines got rid of that requirement so we accepted CPA letter provided. Please see current guidelines and clear condition. - 09/17/2025 <br> XXXX do NOT indicate XXXX needs to attest they are not affilitated/associated w/borrower's business. Please state where you found this in guidelines. - 09/15/2025 | Received exception to allow the use of the XXXX to allowXXXX letter without attestation that they are not affiliated/associated with business. A formal exception is in file. - 09/20/2025<br> Received FXXXX, SXXXX. However, per Lock Confirmation, the subject lock date was XXXX, so the XXXX guidelines would not be applicable to the subject loan. Please provide requested documentation or approved exception. - 09/18/2025<br> Loan was submitted for review under the XXXX program with one year P&L income. Per XXXXs effective XXXX, it states "Required documentation if utilizing a profit and loss statement for income validation...the XXXX must attest that they have audited the business financial statements or reviewed working papers provided by the borrower as well as attest that they are not affiliated/associated with the borrower's business if they have not done so somewhere else in the loan file." Please provide the requested documentation or provide an exception with compensating factors waiving the requirement. - 09/17/2025 | Compensating factors used were 8 years employment, As agreed mortgage history for the past 24 months, $XXXX residual income, and Credit score 19 points above guideline minimum. | 2025-09-20 00:34 | Waived | 3 | 2 | 3 | 2 |
| 85529 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5530284 | 4 of 5 | 2025-09-14 19:40 | Credit | Gift Letter - Missing | A required gift letter was missing from the file and/or the donor funds were not verified. Missing gift letter from XXXX for the amount of $XXXX. <br>|  | Document Uploaded. Gift was only for XXXX. CLP included updated Final 1003 showing gift was only XXXX. Please see attached revised Final 1003 and please clear condition. - 09/15/2025 | Received explanation with revised 1003. - 09/17/2025<br>|  | 2025-09-17 04:15 | Resolved | 3 | 1 | 3 | 2 |
| 85529 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5562941 | 5 of 5 | 2025-09-17 04:04 | Credit | Cash reserves less than required by guidelines | Total Cash reserves of '$-XXXX' are less than $0. Received explanation and revised 1003 that stated the only gift in the transaction was $XXXX from spouse. After adjustment, total assets verified were $XXXX ($XXXX XXXX XXXX, $XXXX XXXX, $XXXX gift funds), when a minimum of $XXXXwas required to close the transaction ($XXXX funds to close + $XXXX three months reserves). As a result, the transaction is short $XXXX verified assets to cover the reserve requirement. Note: XXXX funds from XXXX for benefit of borrower in the amount of $XXXX is not considered in the transaction source unknown and was not a gift per explanation received. <br>|  | Document Uploaded. There was a XXXX gift paid directly to escrow for part of XXXX and was listed on 1003 as XXXX not gift but it is a gift but didn't want it listed twice on 1003 (once under XXXX and once under gift). Attached is the XXXX gift letter and the exception approval for Reserves/DTI. Please clear condition. - 09/17/2025 | Guidelines require 3 months reserves when less than 3 months reserves documented - A formal exception is in file to allow two months reserves. - 09/18/2025<br> Total Cash reserves are greater than $XXXX. - 09/18/2025 | Compensating factors used were 8 years employment, Mortgage history paid as agreed within the most previous 24 months, $XXXX residual income, and Credit score 19 points above minimum requirement. | 2025-09-18 16:52 | Waived | 3 | 2 | 3 | 2 |
| 85320 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5107876 | 1 of 3 | 2025-08-08 13:01 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-08-08 13:01 | Cleared | 1 | 1 | 3 | 2 |
| 85320 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5117332 | 2 of 3 | 2025-08-08 19:56 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. Subject is a rate/term refinance of a primary residence with a loan amount of $XXXX. Per guidelines the max LTV is 65%. Subject LTV is 70.817%. A formal exception in the file. <br>|  |  |  | Loan approved based on low DTI of 24.50%, established business, FICO of 776, and good credit/mortgage history with no major derogatory credit. | 2025-08-08 20:36 | Waived | 2 | 2 | 3 | 2 |
| 85320 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5117364 | 3 of 3 | 2025-08-08 19:58 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-08 19:58 | Cleared | 1 | 1 | 3 | 2 |
| 85245 |  |  | XXXX | XXXX | XXXX | CA | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 5473317 | 1 of 3 | 2025-09-09 20:26 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-09-09 20:26 | Cleared | 1 | 1 | 1 | 1 |
| 85245 |  |  | XXXX | XXXX | XXXX | CA | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 5477250 | 2 of 3 | 2025-09-10 01:52 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-10 01:52 | Cleared | 1 | 1 | 1 | 1 |
| 85245 |  |  | XXXX | XXXX | XXXX | CA | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 5477251 | 3 of 3 | 2025-09-10 01:52 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-09-10 01:52 | Cleared | 1 | 1 | 1 | 1 |
| 85457 |  |  | XXXX | XXXX | XXXX | OR | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5195810 | 1 of 4 | 2025-08-15 17:20 | Compliance | Missing Doc - Homeownership Counseling Disclosure/Missing | Homeownership Counseling Disclosure is missing. <br>|  | Document Uploaded. Please see attached for complete initial disclosure pkg to also include the initial LE. - 08/18/2025<br>| Received disclosure. Finding resolved - 08/19/2025<br>|  | 2025-08-19 13:51 | Resolved | 3 | 1 | 4 | 1 |
| 85457 |  |  | XXXX | XXXX | XXXX | OR | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5195861 | 2 of 4 | 2025-08-15 17:22 | Compliance | TRID: Missing Loan Estimate | Missing the Initial Loan Estimate issued within three business days of the application. <br>|  | Uploaded LE in other condition - 08/18/2025<br>| Received initial LE - 08/19/2025<br>|  | 2025-08-19 13:58 | Resolved | 4 | 1 | 4 | 1 |
| 85457 |  |  | XXXX | XXXX | XXXX | OR | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5202916 | 3 of 4 | 2025-08-16 14:28 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-16 14:28 | Cleared | 1 | 1 | 4 | 1 |
| 85457 |  |  | XXXX | XXXX | XXXX | OR | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5213325 | 4 of 4 | 2025-08-18 16:19 | Credit | File does not contain all required Asset Statement(s) | The loan was approved under the asset allowance program. Per guidelines, when used to supplement other income and most recent 6 months of account statements or VOD documenting 180 seasoning when used as standalone income source. Only 5 months have been provided. <br>|  | Document Uploaded. Guidelines only require 3 months when supplemental income (borrower has SSI so asset allowance is supplemental income) 6 mos only required if XXXX is only income source which is not the case. Please clear condition. - 08/18/2025 |  |  | 2025-08-20 01:59 | Resolved | 3 | 1 | 4 | 1 |
| 85458 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor APOR (APOR SH) | 5253287 | 1 of 3 | 2025-08-20 18:13 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-08-20 18:13 | Cleared | 1 | 1 | 1 | 1 |
| 85458 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor APOR (APOR SH) | 5256352 | 2 of 3 | 2025-08-20 20:34 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-20 20:34 | Cleared | 1 | 1 | 1 | 1 |
| 85458 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor APOR (APOR SH) | 5256353 | 3 of 3 | 2025-08-20 20:34 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-08-20 20:34 | Cleared | 1 | 1 | 1 | 1 |
| 85530 |  |  | XXXX | XXXX | XXXX | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 5507381 | 1 of 5 | 2025-09-11 20:17 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-09-11 20:17 | Cleared | 1 | 1 | 3 | 2 |
| 85530 |  |  | XXXX | XXXX | XXXX | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 5529627 | 2 of 5 | 2025-09-14 13:41 | Credit | Builder is in control of HOA | Builder is in control of HOA. No exception was found in file. <br>|  | Document Uploaded. Exception approval for Builder still in control of HOA attached. Please clear condition - 09/16/2025<br>| Builder is in control of the HOA - A formal exception is in file. - 09/18/2025<br>| Compensating factors used were 11 years employment, Excellent mortgage history since XXXX, $XXXX residual income, Credit score 35 points above minimum requirement, and 86 months reserves above minimum requirement. | 2025-09-18 10:08 | Waived | 3 | 2 | 3 | 2 |
| 85530 |  |  | XXXX | XXXX | XXXX | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 5530666 | 3 of 5 | 2025-09-14 23:08 | Credit | FEMA Declared Disaster Area Post Closing Review | The subject property was located in a XXXX declared disaster area. Post closing property inspection report required. Texas Severe Storms, Straight-line Winds, and Flooding (DR-4879-TX). Incident Period: XXXX- XXXX. Major Disaster Declaration declared on XXXX and impacted subject county XXXX. Subject appraisal date XXXX. <br>|  | Document Uploaded. - 09/19/2025<br>| Received XXXX Disaster Inspection Report with no issues noted. - 09/20/2025 |  | 2025-09-20 18:14 | Resolved | 3 | 1 | 3 | 2 |
| 85530 |  |  | XXXX | XXXX | XXXX | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 5530712 | 4 of 5 | 2025-09-14 23:41 | Property | Property Issue - Condo Ineligible | The subject condo project is ineligible. 1) Per condominium questionnaire, condominium project reserves budgeted are 6.44% ($XXXX Reserves Budget/XXXX Total Income Budget) when guidelines require a minimum of 7% reserves budgeted. The condo questionnaire stated the Reserve Fund balance was 0%. No exception was found in file. <br>|  | Document Uploaded. Exception approval attached. Please clear condition - 09/23/2025 <br> Document Uploaded. XXXX highlighted. A bit is cut off but if you go to link you'll see the rest of what didn't print. Please clear condition. - 09/18/2025 <br> Document Uploaded. Attached HOA budget does show over 7% reserves allocated for this year subtracting the XXXX Utilities from the income which XXXX allows. Please clear condition. - 09/16/2025 | Non-warrantable HOA project with 6.48% budgeted reserves and $XXXXReserve Fund Balance when minimum 7% budgeted reserves required with 50% minimum of Annual Budget allotted for XXXX- A formal exception is in file. - 09/24/2025<br> Received XXXX2 citation for Full Review Process which confirms income collected for utilities that would typically be paid by individual unit owners can be deducted from the reserve calculation. Reserve recalculated as 6.78% and would need an approved exception as it is below 7% and XXXXis $XXXX per questionnaire. Reserves calculated as follows: Income: $XXXX Total Income - $XXXX Move-In Fee - $XXXX Utility Billbacks= $XXXX; Reserves $3XXXX = 6.78%. Based on documentation provided, deducted Move-In fee as it is not a consistent source of income to support ongoing HOA operations, and deducted XXXX as it is the portion of the utility expenses that the HOA collects back from the homeowners and is a deduction/income from the Total Utilities expense section of the budget. Per HOA questionnaire, the Balance of Reserve Fund is $0. - 09/20/2025<br> Received explanation. Please provide XXXXguideline reference mentioned in rebuttal to confirm. - 09/18/2025 | Compensating factors used were 11 years employment, Excellent mortgage history sinceXXXX residual income, Credit score 35 points above minimum, and 86 months reserve above required minimum. | 2025-09-24 16:42 | Waived | 3 | 2 | 3 | 2 |
| 85530 |  |  | XXXX | XXXX | XXXX | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 5530858 | 5 of 5 | 2025-09-15 02:57 | Credit | Title - Ownership Issue | Title documents provided in the loan file reflected potential ownership issues. Missing complete copy of executed subject transfer deed - Page 1 only in file and crossed out. <br>|  | Document Uploaded. - 09/15/2025<br>| Received transfer deed. - 09/17/2025<br>|  | 2025-09-17 03:39 | Resolved | 3 | 1 | 3 | 2 |
| 85531 |  |  | XXXX | XXXX | XXXX | IL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5504599 | 1 of 3 | 2025-09-11 17:50 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-11 17:50 | Cleared | 1 | 1 | 1 | 1 |
| 85531 |  |  | XXXX | XXXX | XXXX | IL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5530228 | 2 of 3 | 2025-09-14 18:45 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-09-14 18:45 | Cleared | 1 | 1 | 1 | 1 |
| 85531 |  |  | XXXX | XXXX | XXXX | IL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5530229 | 3 of 3 | 2025-09-14 18:45 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-14 18:45 | Cleared | 1 | 1 | 1 | 1 |
| 85459 |  |  | XXXX | XXXX | XXXX | FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5297949 | 1 of 3 | 2025-08-25 12:57 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-25 12:57 | Cleared | 1 | 1 | 2 | 2 |
| 85459 |  |  | XXXX | XXXX | XXXX | FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5298010 | 2 of 3 | 2025-08-25 13:02 | Credit | Program Parameters - Property Type | The subject loan does not meet program parameters for property type. Subject is a unique property with on 5 acres with an ADU and a barn stable converted to a outdoor recreational area. It is zoned residential/agricultural. A formal exception was done to allow. <br>|  |  |  | The exception was approved due to documented XXXX, conservative revolving debt, excellent mortgage history, residual Income of XXXX0, DTI @ 26.322%, and LTV of 45.455%. | 2025-08-26 20:05 | Waived | 2 | 2 | 2 | 2 |
| 85459 |  |  | XXXX | XXXX | XXXX | FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5320965 | 3 of 3 | 2025-08-26 16:59 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-08-26 16:59 | Cleared | 1 | 1 | 2 | 2 |
| 85461 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5297433 | 1 of 3 | 2025-08-25 12:21 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Unable to locate the verification of rent <br>|  | Document Uploaded. - 08/27/2025<br>| Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - 08/28/2025<br> XXXX - XXXX transaction details showing $XXXX paid monthly with transaction amount reconciling with lease in file. 0x30x12 history. - 08/28/2025 |  | 2025-08-28 17:13 | Resolved | 3 | 1 | 3 | 1 |
| 85461 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5298581 | 2 of 3 | 2025-08-25 13:40 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-25 13:40 | Cleared | 1 | 1 | 3 | 1 |
| 85461 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5319727 | 3 of 3 | 2025-08-26 16:00 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-08-26 16:00 | Cleared | 1 | 1 | 3 | 1 |
| 85462 |  |  | XXXX | XXXX | XXXX | FL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5294678 | 1 of 3 | 2025-08-24 17:49 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-24 17:49 | Cleared | 1 | 1 | 1 | 1 |
| 85462 |  |  | XXXX | XXXX | XXXX | FL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5294679 | 2 of 3 | 2025-08-24 17:49 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-08-24 17:49 | Cleared | 1 | 1 | 1 | 1 |
| 85462 |  |  | XXXX | XXXX | XXXX | FL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5325867 | 3 of 3 | 2025-08-26 20:41 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-08-26 20:41 | Cleared | 1 | 1 | 1 | 1 |
| 85463 |  |  | XXXX | XXXX | XXXX | HI | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5294759 | 1 of 3 | 2025-08-24 18:28 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-08-24 18:28 | Cleared | 1 | 1 | 1 | 1 |
| 85463 |  |  | XXXX | XXXX | XXXX | HI | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5294760 | 2 of 3 | 2025-08-24 18:28 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-24 18:28 | Cleared | 1 | 1 | 1 | 1 |
| 85463 |  |  | XXXX | XXXX | XXXX | HI | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5325514 | 3 of 3 | 2025-08-26 20:18 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-08-26 20:18 | Cleared | 1 | 1 | 1 | 1 |
| 85325 |  |  | XXXX | XXXX | XXXX | NC | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5168627 | 1 of 7 | 2025-08-13 20:36 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-08-14 18:26 | Cleared | 1 | 1 | 3 | 2 |
| 85325 |  |  | XXXX | XXXX | XXXX | NC | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5173626 | 2 of 7 | 2025-08-14 11:23 | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Unable to locate PITIA documentation for the borrower's recently purchased primary residence located at XXXX<br>|  | Document Uploaded. - 08/14/2025<br>| Received Note and First Payment Letter for property located at XXXX. Legal description of property perXXXX Property Appraiser website does not suggest property is subject to HOA. - 08/17/2025 |  | 2025-08-17 15:28 | Resolved | 3 | 1 | 3 | 2 |
| 85325 |  |  | XXXX | XXXX | XXXX | NC | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5173863 | 3 of 7 | 2025-08-14 11:48 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV exceeds guideline CLTV. Property listed for sale in the previous 6 months, guidelines require a 5% LTV/CLTV reduction. 75% LTV/CLTV exceeds the guideline maximum of 70%. Exception approval located in the loan file. <br>|  |  |  | 1) FICO is 742<br> 2) DTI is under 40<br> 3) The housing history is 0x30x36 | 2025-08-14 18:09 | Waived | 2 | 2 | 3 | 2 |
| 85325 |  |  | XXXX | XXXX | XXXX | NC | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5173864 | 4 of 7 | 2025-08-14 11:48 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV exceeds guideline HCLTV. Property listed for sale in the previous 6 months, guidelines require a 5% LTV/CLTV reduction. 75% LTV/CLTV exceeds the guideline maximum of 70%. Exception approval located in the loan file. <br>|  |  |  | 1) FICO is 742<br> 2) DTI is under 40<br> 3) The housing history is 0x30x36 | 2025-08-14 18:10 | Waived | 2 | 2 | 3 | 2 |
| 85325 |  |  | XXXX | XXXX | XXXX | NC | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5173865 | 5 of 7 | 2025-08-14 11:48 | Credit | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited loan amount is less than the guideline Minimum loan amount. The subject loan amount of $XXXX is less than the guideline minimum of $XXXX. The exception in file addressed the LTV/CLTV but not the loan amount not meeting minimum guideline requirements. <br>|  | Document Uploaded. Updated exception approval attached. Please clear condition - 08/18/2025<br>| Subject loan amount is $XXXX when minimum loan amount per guidelines is $XXXX - A formal exception is in file. - 08/19/2025 | Compensating factors used were 36 months as agreed mortgage payment, Residual income $XXXX, Credit score 62 points above guideline minimum, Reserves 32 months above minimum requirement, and DTI 10% below guideline maximum. | 2025-08-19 17:05 | Waived | 3 | 2 | 3 | 2 |
| 85325 |  |  | XXXX | XXXX | XXXX | NC | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5173866 | 6 of 7 | 2025-08-14 11:48 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. Property listed for sale in the previous 6 months, guidelines require a 5% LTV/CLTV reduction. 75% LTV/CLTV exceeds the guideline maximum of 70%. Exception approval located in the loan file. <br>|  |  |  | 1) FICO is 742<br> 2) DTI is under 40<br> 3) The housing history is 0x30x36 | 2025-08-14 18:09 | Waived | 2 | 2 | 3 | 2 |
| 85325 |  |  | XXXX | XXXX | XXXX | NC | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5173884 | 7 of 7 | 2025-08-14 11:50 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-14 11:50 | Cleared | 1 | 1 | 3 | 2 |
| 85532 |  |  | XXXX | XXXX | XXXX | FL | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 5530711 | 1 of 4 | 2025-09-14 23:39 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-09-14 23:39 | Cleared | 1 | 1 | 3 | 1 |
| 85532 |  |  | XXXX | XXXX | XXXX | FL | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 5531519 | 2 of 4 | 2025-09-15 08:32 | Credit | Borrower 1 Deed of Trust Signature does not match Note | Borrower 1 Signature does not match Note Signature. The Note was signed by Guarantor as Manager of borrower business entity XXXX, when the Security Instrument was signed by Guarantor and non-borrowing Guarantor as XXXX XXXX. The Operating Agreement in file states Guarantor and non-borrowing Guarantor of XXXX are held 50% each under their respective living trusts datedXXXX which does not match the Note nor the Security Instrument. <br>|  | XXXX - 09/19/2025 | Received explanation. XXXX and the security instrument were executed by both parties to XXXX. - 09/22/2025 |  | 2025-09-22 17:20 | Resolved | 3 | 1 | 3 | 1 |
| 85532 |  |  | XXXX | XXXX | XXXX | FL | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 5531526 | 3 of 4 | 2025-09-15 08:34 | Property | Missing Homeowner's Association Questionnaire |  |  | Document Uploaded. The Uniform Disclosure Statement from XXXXl dated XXXX contains enough information to determine the project eligibility along with other condo documents provided. Attached again is the questionnaire along w/Condo Project Certification. Please clear condition. - 09/23/2025 <br> Missing what is needed in the body of this? Sending Condo documents - 09/15/2025 | Received HOA questionnaire. - 09/24/2025<br> Subject property is a condominium and guidelines require a limited or full review, based on XXXX requirements. Please provide the applicable condominium review, as one was not found in file. - 09/17/2025 |  | 2025-09-24 17:27 | Resolved | 3 | 1 | 3 | 1 |
| 85532 |  |  | XXXX | XXXX | XXXX | FL | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 5658199 | 4 of 4 | 2025-09-24 17:27 | Property | Property Issue - Condo Ineligible | The subject condo project is ineligible. Condominium questionnaire indicated the HOA was in pending litigation. Per XXXX attorney letter provided, the following case involves a safety matter: XXXX where the insurance carrier has retained defense counsel; however, the claim and estimated damages was noted as unknown. Guidelines consider condominium projects ineligible properties where the project is in litigation, arbitration, mediation, or other dispute regarding safety, soundness, or habitability. An approved exception with compensating factors was not found in file.  |  | Document Uploaded. Legal dept response to project litigation attached. Please clear condition. - 09/24/2025<br>| Received XXXX response addressing the case in question. - 09/24/2025 |  | 2025-09-24 18:45 | Resolved | 3 | 1 | 3 | 1 |
| 85444 |  |  | XXXX | XXXX | XXXX | TN | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5495885 | 1 of 3 | 2025-09-11 09:43 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-11 09:43 | Cleared | 1 | 1 | 1 | 1 |
| 85444 |  |  | XXXX | XXXX | XXXX | TN | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5495888 | 2 of 3 | 2025-09-11 09:43 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-09-11 09:43 | Cleared | 1 | 1 | 1 | 1 |
| 85444 |  |  | XXXX | XXXX | XXXX | TN | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5495895 | 3 of 3 | 2025-09-11 09:45 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-09-11 09:45 | Cleared | 1 | 1 | 1 | 1 |
| 85464 |  |  | XXXX | XXXX | XXXX | SC | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 5295223 | 1 of 3 | 2025-08-24 23:24 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-24 23:24 | Cleared | 1 | 1 | 1 | 1 |
| 85464 |  |  | XXXX | XXXX | XXXX | SC | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 5295225 | 2 of 3 | 2025-08-24 23:24 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-08-24 23:24 | Cleared | 1 | 1 | 1 | 1 |
| 85464 |  |  | XXXX | XXXX | XXXX | SC | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 5321519 | 3 of 3 | 2025-08-26 17:23 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-08-26 17:23 | Cleared | 1 | 1 | 1 | 1 |
| 85446 |  |  | XXXX | XXXX | XXXX | CT | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5504419 | 1 of 4 | 2025-09-11 17:42 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-09-11 17:42 | Cleared | 1 | 1 | 3 | 1 |
| 85446 |  |  | XXXX | XXXX | XXXX | CT | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5504431 | 2 of 4 | 2025-09-11 17:42 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-11 17:42 | Cleared | 1 | 1 | 3 | 1 |
| 85446 |  |  | XXXX | XXXX | XXXX | CT | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5508859 | 3 of 4 | 2025-09-11 21:45 | Credit | Corporation/LLC: EIN Doc is Missing | The loan file does not contain the Coporation/LLC: EIN documentation. Documentation of the EIN for XXXX is missing from the loan file. <br>|  | Document Uploaded. - 09/12/2025<br>| Received W9 to confirm EIN - 09/16/2025<br> Please provide documentation from the XXXX confirming the EIN. - 09/16/2025 |  | 2025-09-16 15:45 | Resolved | 3 | 1 | 3 | 1 |
| 85446 |  |  | XXXX | XXXX | XXXX | CT | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5508868 | 4 of 4 | 2025-09-11 21:46 | Credit | Corporation/LLC: Certificate of Good Standing Doc is Missing | The loan file does not contain the Corporation/LLC: Certificate of Good Standing. Please provide the certificate of good standing for XXXX<br>|  | Document Uploaded. Cert of good standing was with file. Please see attached page 3 and clear condition. - 09/12/2025<br>|  |  | 2025-09-16 15:33 | Resolved | 3 | 1 | 3 | 1 |
| 85533 |  |  | XXXX | XXXX | XXXX | FL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5505302 | 1 of 3 | 2025-09-11 18:32 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-11 18:32 | Cleared | 1 | 1 | 1 | 1 |
| 85533 |  |  | XXXX | XXXX | XXXX | FL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5530159 | 2 of 3 | 2025-09-14 17:54 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-09-14 17:54 | Cleared | 1 | 1 | 1 | 1 |
| 85533 |  |  | XXXX | XXXX | XXXX | FL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5530160 | 3 of 3 | 2025-09-14 17:54 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-14 17:54 | Cleared | 1 | 1 | 1 | 1 |
| 85465 |  |  | XXXX | XXXX | XXXX | CA | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 5295398 | 1 of 3 | 2025-08-25 03:11 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-08-25 03:11 | Cleared | 1 | 1 | 3 | 1 |
| 85465 |  |  | XXXX | XXXX | XXXX | CA | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 5295401 | 2 of 3 | 2025-08-25 03:12 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-25 03:12 | Cleared | 1 | 1 | 3 | 1 |
| 85465 |  |  | XXXX | XXXX | XXXX | CA | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 5311098 | 3 of 3 | 2025-08-25 23:38 | Credit | Cash Out Does Not Meet Guideline Requirements | Cash out does not meet guideline requirements. Delayed refinance transaction as subject was purchased XXXX less than 6 months prior to the subject Note Date and no loan was secured against the subject property. Borrower letter states source of funds came from borrower's HELOC secured against the subject property. However, there is no documentation in file to support the funds came from the HELOC. The credit report showed the HELOC opened in the year XXXX and the bank statement provided shows the HELOC balance as of XXXX, which was after the subject purchase. <br>|  | Document Uploaded. Proof of funds from XXXX on non-subj REO for purchase of subject attached. Please clear condiiton. - 09/04/2025 | Received XXXX statement showing on XXXX that $XXXX was advanced and reconciles with the borrower escrow deposit made on the subject purchaseXXXX per final Settlement Statement in file. The credit limit information reconciles with the XXXX loan secured against borrower's primary residence per credit report and XXXX in file and not subject. <br> - 09/05/2025 |  | 2025-09-05 22:26 | Resolved | 3 | 1 | 3 | 1 |
| 85466 |  |  | XXXX | XXXX | XXXX | TX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5254106 | 1 of 3 | 2025-08-20 18:46 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-08-20 18:46 | Cleared | 1 | 1 | 1 | 1 |
| 85466 |  |  | XXXX | XXXX | XXXX | TX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5263613 | 2 of 3 | 2025-08-21 13:51 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-21 13:51 | Cleared | 1 | 1 | 1 | 1 |
| 85466 |  |  | XXXX | XXXX | XXXX | TX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5269087 | 3 of 3 | 2025-08-21 17:07 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-08-21 17:07 | Cleared | 1 | 1 | 1 | 1 |
| 85534 |  |  | XXXX | XXXX | XXXX | MA | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 5523892 | 1 of 3 | 2025-09-12 21:55 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-09-12 21:55 | Cleared | 1 | 1 | 4 | 1 |
| 85534 |  |  | XXXX | XXXX | XXXX | MA | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 5523897 | 2 of 3 | 2025-09-12 21:56 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-12 21:56 | Cleared | 1 | 1 | 4 | 1 |
| 85534 |  |  | XXXX | XXXX | XXXX | MA | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 5530247 | 3 of 3 | 2025-09-14 18:56 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing <br>|  | Document Uploaded. Gap report attached. Please clear condition - 09/17/2025 <br>Document Uploaded. - 09/15/2025<br>| Documentation provided is sufficient. - 09/18/2025<br> Borrower 1 Gap Credit Report is not missing. - 09/18/2025<br> The report provided is the same one as in the file, dated XXXX which is over XXXX prior to the Note date. Please provide the updated gap report, as per guidelines. - 09/16/2025 |  | 2025-09-18 17:15 | Resolved | 4 | 1 | 4 | 1 |
| 85467 |  |  | XXXX | XXXX | XXXX | MA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5294354 | 1 of 3 | 2025-08-24 15:22 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-08-24 15:22 | Cleared | 1 | 1 | 3 | 1 |
| 85467 |  |  | XXXX | XXXX | XXXX | MA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5294356 | 2 of 3 | 2025-08-24 15:22 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-24 15:22 | Cleared | 1 | 1 | 3 | 1 |
| 85467 |  |  | XXXX | XXXX | XXXX | MA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5311463 | 3 of 3 | 2025-08-26 01:44 | Credit | Credit Documentation - Letter of Explanation | The loan file did not contain a letter of explanation as required. Subject property is not currently leased. Provide (1) a letter of explanation with supporting documentation addressing why the property has not been rented in the past year or is not under lease, and (2) documentation showing the property is actively advertised for rent, in order to use the appraiser's market rent in qualifying. <br>|  | Document Uploaded. LOE for listing removal attached. Please clear condition. - 09/23/2025 <br>Document Uploaded. - 08/26/2025<br>| Per documentation, the home isn't available to rent until XXXX. Per XXXX the listing shows that the property is not on the market. It was listed for rent on XXXX, but the listing was removed on XXXX. Please provide a letter of explanation. - 08/30/2025 |  | 2025-09-24 16:34 | Resolved | 3 | 1 | 3 | 1 |
| 85535 |  |  | XXXX | XXXX | XXXX | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5506943 | 1 of 5 | 2025-09-11 19:53 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-09-11 19:53 | Cleared | 1 | 1 | 3 | 2 |
| 85535 |  |  | XXXX | XXXX | XXXX | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5527846 | 2 of 5 | 2025-09-13 14:49 | Credit | Title Document Missing | Title document is missing. Unable to locate the title commitment in the file. <br>|  | Document Uploaded. - 09/17/2025 <br>Document Uploaded. - 09/15/2025<br>| Received title correspondence which shows insured amount of $XXXX. - 09/18/2025<br> Received preliminary title report; however, the Lender's title policy coverage amount was not found on the documentation provided. Please provide title supplement showing the amount of the title policy coverage for this transaction, and the minimum coverage must be the loan amount. - 09/17/2025 |  | 2025-09-18 17:08 | Resolved | 3 | 1 | 3 | 2 |
| 85535 |  |  | XXXX | XXXX | XXXX | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5527911 | 3 of 5 | 2025-09-13 15:14 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. An exception is required due to the borrower's construction company, XXXX, completing the renovations done on the subject property. A formal exception is in the file. <br>|  |  |  | The compensating factors is the borrower's fico is 774, the DTI is under 30% and the borrower is an experienced investor. | 2025-09-13 15:14 | Waived | 2 | 2 | 3 | 2 |
| 85535 |  |  | XXXX | XXXX | XXXX | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5527912 | 4 of 5 | 2025-09-13 15:14 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-13 15:14 | Cleared | 1 | 1 | 3 | 2 |
| 85535 |  |  | XXXX | XXXX | XXXX | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5530867 | 5 of 5 | 2025-09-15 03:35 | Credit | Final Settlement Statement Missing. | The final Settlement Statement document is missing. Settlement statement provided is an estimate. The subject transaction is an investment refinance transaction. <br>|  | Document Uploaded. - 09/15/2025<br>| Received final settlement statement. - 09/17/2025<br>Final HUD-1 Document is not missing or estimated only. - 09/17/2025<br>|  | 2025-09-17 04:48 | Resolved | 3 | 1 | 3 | 2 |
| 85468 |  |  | XXXX | XXXX | XXXX | FL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5293739 | 1 of 4 | 2025-08-23 23:40 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Please provide documentation showing XXXX is paid in full or that there is no outstanding mortgages exists for this property. The file contains a Note and Modification agreement for the property. <br>|  | Fraud report and Property profile included in CLP shows no mortgage in borrower name. The Note/Modification in file are on subject not XXXX. Please clear condition. - 08/26/2025 |  |  | 2025-08-28 04:22 | Resolved | 3 | 1 | 3 | 1 |
| 85468 |  |  | XXXX | XXXX | XXXX | FL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5293751 | 2 of 4 | 2025-08-24 00:05 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-08-24 00:05 | Cleared | 1 | 1 | 3 | 1 |
| 85468 |  |  | XXXX | XXXX | XXXX | FL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5293752 | 3 of 4 | 2025-08-24 00:05 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-24 00:05 | Cleared | 1 | 1 | 3 | 1 |
| 85468 |  |  | XXXX | XXXX | XXXX | FL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5311661 | 4 of 4 | 2025-08-26 02:23 | Credit | Calculated DSCR does not meet the Minimum DSCR allowed | The loan was approved with a DSCR of 1.131. The audited DSCR is 1.075 (P&I - XXXX; tax - $XXXX; insurance - XXXX = $XXXX).XXXX = 1.075.  |  | Calculation below supports UW figures of 1.131 not 1.075. Please check calculation again as XXXX = 1.131. Please clear condition. - 08/26/2025 | . - 08/28/2025<br>|  | 2025-08-28 04:21 | Resolved | 3 | 1 | 3 | 1 |
| 85469 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5295096 | 1 of 3 | 2025-08-24 21:10 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-08-24 21:10 | Cleared | 1 | 1 | 1 | 1 |
| 85469 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5295097 | 2 of 3 | 2025-08-24 21:10 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-24 21:10 | Cleared | 1 | 1 | 1 | 1 |
| 85469 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5320384 | 3 of 3 | 2025-08-26 16:30 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-08-26 16:30 | Cleared | 1 | 1 | 1 | 1 |
| 85470 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5248059 | 1 of 3 | 2025-08-20 14:46 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-08-20 14:46 | Cleared | 1 | 1 | 3 | 1 |
| 85470 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5258056 | 2 of 3 | 2025-08-20 22:50 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-20 22:50 | Cleared | 1 | 1 | 3 | 1 |
| 85470 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5262813 | 3 of 3 | 2025-08-21 13:11 | Credit | Income - Income Documentation Missing | The loan file did not contain the required income documentation. Provide CPA letter to verify expense ratio is 40%. <br>|  | Document Uploaded. XXXX was used which takes borrower provided business narrative and applies the appropriate expense ratio. Attached is copy of guideline and borrower provided business narrative. Please clear condition. - 08/21/2025 | Business narrative shows 3 employees. Guidelines state 1-3 employees 40% ratio. - 08/22/2025<br>|  | 2025-08-22 14:39 | Resolved | 3 | 1 | 3 | 1 |
| 85471 |  |  | XXXX | XXXX | XXXX | FL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5293722 | 1 of 5 | 2025-08-23 23:01 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-08-23 23:01 | Cleared | 1 | 1 | 3 | 1 |
| 85471 |  |  | XXXX | XXXX | XXXX | FL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5293724 | 2 of 5 | 2025-08-23 23:02 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-23 23:02 | Cleared | 1 | 1 | 3 | 1 |
| 85471 |  |  | XXXX | XXXX | XXXX | FL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5325594 | 3 of 5 | 2025-08-26 20:24 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. The subject property is an assisted living facility. Per guidelines, XXXX if residential in nature, will be approved on a case-by-case basis if the borrower's FICO is 700 and the maximum LTV is 65%. The exception for the assisted living facility is in file, but the borrower's FICO is below 700. Please provide the updated exception. <br>|  | Document Uploaded. Loan was approved XXXX using attached XXXX guidelines that did not require minimum FICO. Please clear condition. - 08/27/2025 | Updated guidelines provided - 08/29/2025<br>|  | 2025-08-29 02:04 | Resolved | 3 | 1 | 3 | 1 |
| 85471 |  |  | XXXX | XXXX | XXXX | FL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5326430 | 4 of 5 | 2025-08-26 21:33 | Credit | Corporation/LLC: Operating Agreement Doc is Missing | The loan file does not contain the Corporation/LLC: Operating Agreement. Please provide the Operating Agreement for XXXX. <br>|  | This is a corporation. Corporations do not have Operating agreements. All entity documents have been provided. Please clear condition. - 08/27/2025<br>|  |  | 2025-08-29 02:04 | Resolved | 3 | 1 | 3 | 1 |
| 85471 |  |  | XXXX | XXXX | XXXX | FL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5326434 | 5 of 5 | 2025-08-26 21:34 | Credit | Corporation/LLC: EIN Doc is Missing | The loan file does not contain the Coporation/LLC: EIN documentation. Please provide documentation of the EIN for XXXX. <br>|  | Document Uploaded. - 08/27/2025<br>|  |  | 2025-08-29 02:04 | Resolved | 3 | 1 | 3 | 1 |
| 85447 |  |  | XXXX | XXXX | XXXX | AZ | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5484787 | 1 of 3 | 2025-09-10 15:39 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-10 15:39 | Cleared | 1 | 1 | 3 | 1 |
| 85447 |  |  | XXXX | XXXX | XXXX | AZ | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5498816 | 2 of 3 | 2025-09-11 14:15 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-11 14:15 | Cleared | 1 | 1 | 3 | 1 |
| 85447 |  |  | XXXX | XXXX | XXXX | AZ | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5505181 | 3 of 3 | 2025-09-11 18:27 | Credit | Income - Income Documentation Missing | The loan file did not contain the required income documentation. Missing A phone listing and business address verification using directory assistance, or an internet search is required, to replicate how customers could search out the company. <br>|  | Document Uploaded. - 09/11/2025<br>| XXXX listing provided. - 09/12/2025 |  | 2025-09-12 19:09 | Resolved | 3 | 1 | 3 | 1 |
| 85536 |  |  | XXXX | XXXX | XXXX | CA | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 5528106 | 1 of 4 | 2025-09-13 16:29 | Compliance | Missing evidence Mortgage/Deed of Trust will be recorded | Missing evidence of Mortgage recording. <br>|  | Document Uploaded. - 09/15/2025<br>| Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - 09/17/2025<br>|  | 2025-09-17 02:58 | Resolved | 3 | 1 | 3 | 1 |
| 85536 |  |  | XXXX | XXXX | XXXX | CA | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 5544797 | 2 of 4 | 2025-09-15 21:23 | Credit | Missing Business Purpose Affidavit | File is missing statement of business purpose. The business purpose affidavit in file has not been notarized. Please provide the updated business purpose affidavit. <br>|  | Document Uploaded. - 09/15/2025<br>| Notarized business purpose affidavit has been provided - 09/17/2025<br>|  | 2025-09-17 02:59 | Resolved | 3 | 1 | 3 | 1 |
| 85536 |  |  | XXXX | XXXX | XXXX | CA | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 5544812 | 3 of 4 | 2025-09-15 21:25 | Credit | Final Settlement Statement Missing. | The final Settlement Statement document is missing. The final settlement statement is missing from the loan file. <br>|  | Document Uploaded. - 09/15/2025<br>|  |  | 2025-09-17 03:05 | Resolved | 3 | 1 | 3 | 1 |
| 85536 |  |  | XXXX | XXXX | XXXX | CA | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 5545518 | 4 of 4 | 2025-09-15 22:22 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-15 22:22 | Cleared | 1 | 1 | 3 | 1 |
| 85537 |  |  | XXXX | XXXX | XXXX | ID | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5507377 | 1 of 3 | 2025-09-11 20:16 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-11 20:16 | Cleared | 1 | 1 | 3 | 1 |
| 85537 |  |  | XXXX | XXXX | XXXX | ID | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5529844 | 2 of 3 | 2025-09-14 15:25 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-14 15:25 | Cleared | 1 | 1 | 3 | 1 |
| 85537 |  |  | XXXX | XXXX | XXXX | ID | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5530923 | 3 of 3 | 2025-09-15 04:31 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Provide CTEC or Enrolled Agent license verification for tax preparer per XXXX ownership verification letter. Guidelines require the P&L from a CPA or Enrolled Agent or CTEC if license can be verified. No license verification was found in file. <br>|  | Document Uploaded. - 09/15/2025<br>| Received XXXX credential verification. - 09/17/2025 |  | 2025-09-17 04:03 | Resolved | 3 | 1 | 3 | 1 |
| 85538 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5507649 | 1 of 3 | 2025-09-11 20:29 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-11 20:29 | Cleared | 1 | 1 | 1 | 1 |
| 85538 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5529978 | 2 of 3 | 2025-09-14 16:18 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-09-14 16:18 | Cleared | 1 | 1 | 1 | 1 |
| 85538 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5529979 | 3 of 3 | 2025-09-14 16:18 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-14 16:18 | Cleared | 1 | 1 | 1 | 1 |
| 85539 |  |  | XXXX | XXXX | XXXX | FL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5536440 | 1 of 3 | 2025-09-15 15:24 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-09-15 15:24 | Cleared | 1 | 1 | 1 | 1 |
| 85539 |  |  | XXXX | XXXX | XXXX | FL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5536445 | 2 of 3 | 2025-09-15 15:24 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-15 15:24 | Cleared | 1 | 1 | 1 | 1 |
| 85539 |  |  | XXXX | XXXX | XXXX | FL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5541165 | 3 of 3 | 2025-09-15 18:37 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-15 18:37 | Cleared | 1 | 1 | 1 | 1 |
| 85540 |  |  | XXXX | XXXX | XXXX | TX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5508523 | 1 of 4 | 2025-09-11 21:20 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-11 21:20 | Cleared | 1 | 1 | 3 | 2 |
| 85540 |  |  | XXXX | XXXX | XXXX | TX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5529802 | 2 of 4 | 2025-09-14 15:11 | Credit | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited loan amount is less than the guideline Minimum loan amount. XXXX (Owner Occupied Primary Residence - Min Loan Amount $XXXX). A guideline exception was noted on the lock, however, is not in the file. <br>|  | Document Uploaded. Exception approval attached. Please clear condition. - 09/15/2025<br>| The final loan amount is less than the guideline Minimum loan amount. A formal exception was provided. - 09/16/2025<br>| The exception was approved based on mortgage history since 2012, over $XXXX in residual income, a credit score 41 points above the minimum, 192 months of reserves and a DTI 30% below the maximum. | 2025-09-16 12:57 | Waived | 3 | 2 | 3 | 2 |
| 85540 |  |  | XXXX | XXXX | XXXX | TX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5529804 | 3 of 4 | 2025-09-14 15:12 | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Provide verification borrower have no ownership in property XXXX andXXXX verified onXXXX report. The file contains a property report for XXXX which shows the borrower as the owner, and the fraud report does not reflect XXXX as having been sold as noted on the borrower letter.<br>|  | Document Uploaded. Property profiles show borrower sold properties. Borrower and deceased husband sold XXXX and the buyer then sold property XXXX. There maybe some confusion because borrower's husband passed away in XXXX and there was a seller carryback on property and when seller sold property in XXXX the property never went through probate. See attached documents on deceased husband and affidavit including information pulled from online showing property transfer history. Property profile for XXXX shows borrower sold XXXX and no longer in borrower name. Please clear condition. - 09/15/2025 | Documentation provided is sufficient. - 09/16/2025<br>|  | 2025-09-16 12:59 | Resolved | 3 | 1 | 3 | 2 |
| 85540 |  |  | XXXX | XXXX | XXXX | TX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5529809 | 4 of 4 | 2025-09-14 15:12 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-14 15:12 | Cleared | 1 | 1 | 3 | 2 |
| 85541 |  |  | XXXX | XXXX | XXXX | CO | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5528150 | 1 of 3 | 2025-09-13 16:52 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-13 16:52 | Cleared | 1 | 1 | 3 | 1 |
| 85541 |  |  | XXXX | XXXX | XXXX | CO | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5531644 | 2 of 3 | 2025-09-15 09:17 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Missing tax preparer credentials verification as the XXXX letter provided references CTEC credential but not validated. <br>|  | Document Uploaded. - 09/15/2025<br>| Received CTEC credential verification. - 09/17/2025<br>|  | 2025-09-17 03:53 | Resolved | 3 | 1 | 3 | 1 |
| 85541 |  |  | XXXX | XXXX | XXXX | CO | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5532915 | 3 of 3 | 2025-09-15 12:50 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-15 12:50 | Cleared | 1 | 1 | 3 | 1 |
| 85542 |  |  | XXXX | XXXX | XXXX | CO | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5508158 | 1 of 3 | 2025-09-11 20:55 | Compliance | TRID: Missing Final Closing Disclosure | The loan file does not contain the Final Closing Disclosure. missing final cd <br>|  | Document Uploaded. - 09/17/2025<br>| documentation meet requirements - 09/18/2025<br>TRID: Final Closing Disclosure Provided - 09/18/2025<br>|  | 2025-09-18 15:38 | Resolved | 4 | 1 | 4 | 1 |
| 85542 |  |  | XXXX | XXXX | XXXX | CO | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5532533 | 2 of 3 | 2025-09-15 12:20 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-09-15 12:20 | Cleared | 1 | 1 | 4 | 1 |
| 85542 |  |  | XXXX | XXXX | XXXX | CO | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5532535 | 3 of 3 | 2025-09-15 12:20 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-15 12:20 | Cleared | 1 | 1 | 4 | 1 |
| 86041 |  |  | XXXX | XXXX | XXXX | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5812864 | 1 of 3 | 2025-10-07 22:00 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-10-07 22:00 | Cleared | 1 | 1 | 1 | 1 |
| 86041 |  |  | XXXX | XXXX | XXXX | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5812871 | 2 of 3 | 2025-10-07 22:02 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-10-07 22:02 | Cleared | 1 | 1 | 1 | 1 |
| 86041 |  |  | XXXX | XXXX | XXXX | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5894233 | 3 of 3 | 2025-10-14 21:49 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-10-14 21:49 | Cleared | 1 | 1 | 1 | 1 |
| 85543 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 5506960 | 1 of 3 | 2025-09-11 19:54 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-11 19:54 | Cleared | 1 | 1 | 1 | 1 |
| 85543 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 5523900 | 2 of 3 | 2025-09-12 21:56 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-12 21:56 | Cleared | 1 | 1 | 1 | 1 |
| 85543 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 5530325 | 3 of 3 | 2025-09-14 20:08 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-09-14 20:08 | Cleared | 1 | 1 | 1 | 1 |
| 85472 |  |  | XXXX | XXXX | XXXX | TN | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5263171 | 1 of 3 | 2025-08-21 13:28 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-08-21 13:28 | Cleared | 1 | 1 | 2 | 2 |
| 85472 |  |  | XXXX | XXXX | XXXX | TN | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5281950 | 2 of 3 | 2025-08-22 15:16 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. Subject loan is being done under Asset Related program. Maximum LTV is 75% and subject is 80%. A formal Exception was done to allow. <br>|  |  |  | The exception was approved based on a credit score of 742 and high reserves from assts held and cash out. | 2025-08-22 16:26 | Waived | 2 | 2 | 2 | 2 |
| 85472 |  |  | XXXX | XXXX | XXXX | TN | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5281963 | 3 of 3 | 2025-08-22 15:17 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-22 15:17 | Cleared | 1 | 1 | 2 | 2 |
| 86042 |  |  | XXXX | XXXX | XXXX | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5783744 | 1 of 4 | 2025-10-06 14:53 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-10-06 14:53 | Cleared | 1 | 1 | 3 | 2 |
| 86042 |  |  | XXXX | XXXX | XXXX | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5808082 | 2 of 4 | 2025-10-07 17:47 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. The subject property is identified as an assisted living (adult care) facility. According to program guidelines, assisted living properties are only permitted if they are residential in nature and are reviewed on a case-by-case basis, requiring a minimum 700 FICO score and a maximum 65% LTV. A formal exception for this requirement is not included in the loan file. <br>|  | Document Uploaded. Exception approval attached. Please clear condition - 10/09/2025<br>| Exception has been received. - 10/14/2025<br>| The borrower is an experienced investor with a 0x30 mortgage history since XXXX. Their credit score is 52 points above the minimum requirement, and they have two months of reserves beyond the minimum required amount. The DSCR is 0.07% above the minimum threshold, and the LTV is 12% below the maximum allowed | 2025-10-14 02:48 | Waived | 3 | 2 | 3 | 2 |
| 86042 |  |  | XXXX | XXXX | XXXX | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5808259 | 3 of 4 | 2025-10-07 17:51 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-10-07 17:51 | Cleared | 1 | 1 | 3 | 2 |
| 86042 |  |  | XXXX | XXXX | XXXX | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5808973 | 4 of 4 | 2025-10-07 18:24 | Credit | Program Parameters - Loan Purpose | The subject loan does not meet program parameters for loan purpose. The subject transaction does not meet guidelines. The subject transaction is a cash-out refinance under a DSCR program. According to guidelines, all cash proceeds to the borrower must be used for business purposes. The letter provided indicates that the borrower intends to use the cash-out funds as reserves during a period of economic uncertainty. Please provide satisfactory documentation to support that the loan proceeds were used for an eligible business purpose. <br>|  | Disputing as reserves can be considered business purpose use given that the borrower owns multiple rental properties. Reserves for the purpose of paying the property mortgage and expenses if needed. Please clear condition - 10/09/2025<br>| Cashout letter use of funds is consistent with a business purpose loan. - 10/24/2025<br>Please provide a clearer letter of explanation from the borrower outlining the use of funds. - 10/14/2025<br>|  | 2025-10-24 14:27 | Resolved | 3 | 1 | 3 | 2 |
| 86043 |  |  | XXXX | XXXX | XXXX | CA | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 5785905 | 1 of 5 | 2025-10-06 15:43 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-10-06 15:43 | Cleared | 1 | 1 | 3 | 1 |
| 86043 |  |  | XXXX | XXXX | XXXX | CA | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 5785919 | 2 of 5 | 2025-10-06 15:44 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-10-06 15:44 | Cleared | 1 | 1 | 3 | 1 |
| 86043 |  |  | XXXX | XXXX | XXXX | CA | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 5875036 | 3 of 5 | 2025-10-13 17:36 | Credit | Final Settlement Statement Missing. | The final Settlement Statement document is missing. Settlement statement in file is preliminary. <br>|  | Document Uploaded. - 10/13/2025<br>| Received final ALTA statement - 10/16/2025<br>|  | 2025-10-16 19:30 | Resolved | 3 | 1 | 3 | 1 |
| 86043 |  |  | XXXX | XXXX | XXXX | CA | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 5875095 | 4 of 5 | 2025-10-13 17:39 | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. Missing 12 months housing history for primary residence. Current mortgage originated XXXX and 10 months are reported. However, previous mortgage for $XXXX originated XXXX and rating was not provided in order to complete a 12 months primary housing history. <br>|  | Document Uploaded. Page 1 of credit shows 10 months rated XXXX but previous lender reporting on page 3 of credit shows 4 months rated from XXXX before loan transferred. Please clear condition. - 10/16/2025 <br> Document Uploaded. - 10/13/2025 | Received credit report reflecting previous mortgage was with XXXX reporting 4 months, sold to XXXX reporting 10 months, 12 months as agreed for primary residence - 10/16/2025<br> Received housing history forXXXX, missing complete 12 month history for XXXX, borrowers primary residence, only report 10 months on the credit report - 10/16/2025 |  | 2025-10-16 21:23 | Resolved | 3 | 1 | 3 | 1 |
| 86043 |  |  | XXXX | XXXX | XXXX | CA | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 5875165 | 5 of 5 | 2025-10-13 17:44 | Credit | Title - Insufficient Insurance Coverage | The amount of title insurance verified in the loan file is not sufficient to cover the loan amount. Missing Lender's policy coverage amount on the title commitment provided. <br>|  | Document Uploaded. - 10/13/2025<br>| Received policy with sufficient coverage - 10/16/2025<br>|  | 2025-10-16 19:30 | Resolved | 3 | 1 | 3 | 1 |
| 86044 |  |  | XXXX | XXXX | XXXX | FL | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 5783560 | 1 of 3 | 2025-10-06 14:46 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-10-06 14:46 | Cleared | 1 | 1 | 1 | 1 |
| 86044 |  |  | XXXX | XXXX | XXXX | FL | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 5783565 | 2 of 3 | 2025-10-06 14:46 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-10-06 14:46 | Cleared | 1 | 1 | 1 | 1 |
| 86044 |  |  | XXXX | XXXX | XXXX | FL | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | 5783570 | 3 of 3 | 2025-10-06 14:47 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-10-06 14:47 | Cleared | 1 | 1 | 1 | 1 |
| 85544 |  |  | XXXX | XXXX | XXXX | TX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5509423 | 1 of 3 | 2025-09-11 23:08 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-11 23:08 | Cleared | 1 | 1 | 3 | 1 |
| 85544 |  |  | XXXX | XXXX | XXXX | TX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5530770 | 2 of 3 | 2025-09-15 00:14 | Credit | Asset 3 Missing | Asset documentation is missing from the file. Unable to locate the $XXXX transfer or cancelled check. <br>|  | Document Uploaded. - 09/15/2025<br>| documentation meet requirements - 09/16/2025<br>|  | 2025-09-16 14:18 | Resolved | 3 | 1 | 3 | 1 |
| 85544 |  |  | XXXX | XXXX | XXXX | TX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5530771 | 3 of 3 | 2025-09-15 00:18 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-15 00:18 | Cleared | 1 | 1 | 3 | 1 |
| 85396 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5486617 | 1 of 3 | 2025-09-10 16:50 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-10 16:50 | Cleared | 1 | 1 | 3 | 1 |
| 85396 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5513906 | 2 of 3 | 2025-09-12 13:31 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-12 13:31 | Cleared | 1 | 1 | 3 | 1 |
| 85396 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5525522 | 3 of 3 | 2025-09-13 00:49 | Credit | Title - Ownership Issue | Title documents provided in the loan file reflected potential ownership issues. Provide executed transfer deed vesting subject property to borrower. <br>|  | Document Uploaded. - 09/15/2025<br>| Received Grant Deed. - 09/17/2025<br>|  | 2025-09-17 03:50 | Resolved | 3 | 1 | 3 | 1 |
| 86045 |  |  | XXXX | XXXX | XXXX | HI | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5894303 | 1 of 4 | 2025-10-14 21:57 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-10-14 21:57 | Cleared | 1 | 1 | 3 | 1 |
| 86045 |  |  | XXXX | XXXX | XXXX | HI | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5898927 | 2 of 4 | 2025-10-15 12:37 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd party VOE prior to close missing. Guidelines require a VVOE within 5 days of closing. WVOE is from XXXX and loan closed on XXXX. <br>|  | Document Uploaded. XXXX is still not updating VOE beyond XXXX so had to verbally verify empl directly w/employer and VVOE is attached. Please clear condition. - 10/22/2025 | documentation meet requirements - 10/23/2025<br>|  | 2025-10-23 19:00 | Resolved | 3 | 1 | 3 | 1 |
| 86045 |  |  | XXXX | XXXX | XXXX | HI | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5899991 | 3 of 4 | 2025-10-15 13:56 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-10-15 13:56 | Cleared | 1 | 1 | 3 | 1 |
| 86045 |  |  | XXXX | XXXX | XXXX | HI | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5904073 | 4 of 4 | 2025-10-15 16:31 | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Primary residence XXXX unable to validate HOI and/or HOA if applicable. Documentation not in file. <br>|  | Document Uploaded. Evidence of HOI on primary attached and evidence no HOA on primary attached. Please clear condition - 10/15/2025<br>| documentation meet requirements - 10/16/2025<br>|  | 2025-10-16 16:51 | Resolved | 3 | 1 | 3 | 1 |
| 86046 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5795974 | 1 of 3 | 2025-10-07 02:34 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-10-07 02:34 | Cleared | 1 | 1 | 1 | 1 |
| 86046 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5795975 | 2 of 3 | 2025-10-07 02:35 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-10-07 02:35 | Cleared | 1 | 1 | 1 | 1 |
| 86046 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5808444 | 3 of 3 | 2025-10-07 17:59 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-10-07 17:59 | Cleared | 1 | 1 | 1 | 1 |
| 86047 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5845687 | 1 of 3 | 2025-10-09 22:06 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-10-09 22:06 | Cleared | 1 | 1 | 3 | 1 |
| 86047 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5894512 | 2 of 3 | 2025-10-14 22:10 | Credit | Purchase Contract - Addendum Missing | The Purchase Contract Addendum is missing. Missing addendum for seller credit as not shown in current contract. <br>|  | Document Uploaded. Seller Credit amendment attached. Please clear condition - 10/14/2025<br>| documentation meet requirements - 10/16/2025<br>|  | 2025-10-16 16:53 | Resolved | 2 | 1 | 3 | 1 |
| 86047 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5894554 | 3 of 3 | 2025-10-14 22:17 | Compliance | The Final 1003 is Incomplete | The final 1003 is incomplete. Missing pg 3 of final 1003. Provide all pages of final 1003 <br>|  | Document Uploaded. 3rd page of Final 1003 attached. Please clear condition. - 10/14/2025<br>| Received 3rd page of 1003 - 10/15/2025<br>|  | 2025-10-15 18:51 | Resolved | 3 | 1 | 3 | 1 |
| 86048 |  |  | XXXX | XXXX | XXXX | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5880470 | 1 of 3 | 2025-10-13 22:20 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. Investment Cash Out Loan <br>|  |  |  |  | 2025-10-13 22:21 | Cleared | 1 | 1 | 1 | 1 |
| 86048 |  |  | XXXX | XXXX | XXXX | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5901647 | 2 of 3 | 2025-10-15 15:15 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-10-15 15:15 | Cleared | 1 | 1 | 1 | 1 |
| 86048 |  |  | XXXX | XXXX | XXXX | CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5901652 | 3 of 3 | 2025-10-15 15:15 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-10-15 15:15 | Cleared | 1 | 1 | 1 | 1 |
| 86049 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5813889 | 1 of 3 | 2025-10-08 01:11 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-10-08 01:11 | Cleared | 1 | 1 | 1 | 1 |
| 86049 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5813892 | 2 of 3 | 2025-10-08 01:11 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-10-08 01:11 | Cleared | 1 | 1 | 1 | 1 |
| 86049 |  |  | XXXX | XXXX | XXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5877109 | 3 of 3 | 2025-10-13 19:31 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-10-13 19:31 | Cleared | 1 | 1 | 1 | 1 |
| 86050 |  |  | XXXX | XXXX | XXXX | AZ | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5881303 | 1 of 3 | 2025-10-14 00:59 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-10-14 00:59 | Cleared | 1 | 1 | 3 | 2 |
| 86050 |  |  | XXXX | XXXX | XXXX | AZ | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5904627 | 2 of 3 | 2025-10-15 17:00 | Credit | Income - Income Documentation Missing | The loan file did not contain the required income documentation. Borrower owns 19.75% of the business XXXX. Per the guidelines borrower is to own at least 20% of ownership. Unable to locate the exception in the file to use to the income from the bank statements from an ownership holder of less than 20%. <br>|  | Document Uploaded. Exception approval attached. Please clear condition. - 10/15/2025<br>| Per guidelines-Self-employment is defined as a business reported on Schedule C or ownership interest of 20% or greater in an LLC, S Corp, or Corporation. Loan approved with borrower having 19.75% ownership in business. A formal exception is in file. - 10/16/2025 | Compensating factors-1. 12 yr business owner. 2. Credit score 71 points above minimum. 3. 65 mos reserves above the minimum required. 4. DTI 34% below maximum and $XXXX in residual income. | 2025-10-16 16:19 | Waived | 3 | 2 | 3 | 2 |
| 86050 |  |  | XXXX | XXXX | XXXX | AZ | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5905027 | 3 of 3 | 2025-10-15 17:18 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-10-15 17:18 | Cleared | 1 | 1 | 3 | 2 |
| 86051 |  |  | XXXX | XXXX | XXXX | HI | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5891494 | 1 of 3 | 2025-10-14 18:43 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-10-14 18:43 | Cleared | 1 | 1 | 3 | 1 |
| 86051 |  |  | XXXX | XXXX | XXXX | HI | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5905081 | 2 of 3 | 2025-10-15 17:20 | Credit | Assets - Earnest Money Deposit | The earnest money deposit was not properly documented and/or sourced. Total XXXX is $XXXX paid in amounts of $XXXX and $XXXX. File contains proof of $XXXX but not the $XXXX paid form the borrower's own funds. <br>|  | Document Uploaded. - 10/15/2025<br>| documentation meet requirements - 10/16/2025<br>|  | 2025-10-16 16:47 | Resolved | 3 | 1 | 3 | 1 |
| 86051 |  |  | XXXX | XXXX | XXXX | HI | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 5905178 | 3 of 3 | 2025-10-15 17:24 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-10-15 17:24 | Cleared | 1 | 1 | 3 | 1 |
| 86052 |  |  | XXXX | XXXX | XXXX | CA | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 5814124 | 1 of 3 | 2025-10-08 01:48 | Credit | Employment - Evidence of Self-Employment Missing | The loan file did not contain evidence of self-employment as required. Missing business phone listing and business address verification search. <br>|  | Document Uploaded. - 10/14/2025<br>| documentation meet requirements - 10/16/2025<br>|  | 2025-10-16 16:53 | Resolved | 3 | 1 | 3 | 1 |
| 86052 |  |  | XXXX | XXXX | XXXX | CA | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 5814153 | 2 of 3 | 2025-10-08 01:50 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-10-08 01:50 | Cleared | 1 | 1 | 3 | 1 |
| 86052 |  |  | XXXX | XXXX | XXXX | CA | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 5893076 | 3 of 3 | 2025-10-14 20:15 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-10-14 20:15 | Cleared | 1 | 1 | 3 | 1 |
| 85904 |  |  | XXXX | XXXX | XXXX | CA | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 5899192 | 1 of 4 | 2025-10-15 13:04 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-10-15 13:04 | Cleared | 1 | 1 | 3 | 2 |
| 85904 |  |  | XXXX | XXXX | XXXX | CA | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 5900771 | 2 of 4 | 2025-10-15 14:37 | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Unable to locate the additional payment of $XXXX on the property at XXXX. Mortgage statement in the file shows that the property is escrowed but does not breakdown the escrows. Letter in the file states that the property does not have any HOA.<br>|  | Document Uploaded. All required documentation attached. XXXX that was impounded was paid off and all documentation provided to show paid off and new mortgage w/XXXX showing payments of XXXX on payment coupon and property profile shows this new mortgage for XXXX which paid offXXXX. Same property profile shows property taxes XXXX and Insurance documentation provided showing =XXXX annual premium / XXXX T&I total. Property is a SFR and letter from borrower confirms no HOA. Please clear condition<br> - 10/15/2025 | documentation and explanation meet requirements - 10/16/2025<br>|  | 2025-10-16 16:12 | Resolved | 3 | 1 | 3 | 2 |
| 85904 |  |  | XXXX | XXXX | XXXX | CA | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 5901909 | 3 of 4 | 2025-10-15 15:27 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-10-15 15:27 | Cleared | 1 | 1 | 3 | 2 |
| 85904 |  |  | XXXX | XXXX | XXXX | CA | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 5905153 | 4 of 4 | 2025-10-15 17:22 | Credit | Program Parameters - Property Type | The subject loan does not meet program parameters for property type. Per guidelines-Ineligible Properties: 8. Assisted Living Facilities (if residential in nature then on a case-by-case basis, 700 FICO and max 65% LTV). Loan approved and subject is an assisted living facility. A formal exception is in file. <br>|  |  |  | Compensating factors- 1. Residual income is $XXXX. Borrower has owned the business being used for qualifying for over 5 years. 3. Borrower is an experienced investor. | 2025-10-15 17:22 | Waived | 2 | 2 | 3 | 2 |
| 85685 |  |  | XXXX | XXXX | XXXX | VA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 4449136 | 1 of 3 | 2025-06-14 07:53 | Compliance | The Final 1003 is Incomplete | The final 1003 is incomplete. Missing pages 15-19 of Borrower 2 final 1003 <br>|  | Document Uploaded. - 06/18/2025<br>| documentation meet requirements - 06/20/2025<br>|  | 2025-06-20 16:14 | Resolved | 3 | 1 | 3 | 1 |
| 85685 |  |  | XXXX | XXXX | XXXX | VA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 4449238 | 2 of 3 | 2025-06-14 08:52 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-14 08:52 | Cleared | 1 | 1 | 3 | 1 |
| 85685 |  |  | XXXX | XXXX | XXXX | VA | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 4458220 | 3 of 3 | 2025-06-16 15:47 | Credit | Purchase Contract - Addendum Missing | The Purchase Contract Addendum is missing. Per final CD seller credit $XXXX. Contract states $XXXX seller credit. Addendum needed for updated amount. <br>|  | Document Uploaded. - 06/25/2025<br>| documentation meet guidelines - 06/26/2025<br>|  | 2025-06-26 14:33 | Resolved | 2 | 1 | 3 | 1 |
| 85684 |  |  | XXXX | XXXX | XXXX | FL | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4449860 | 1 of 3 | 2025-06-14 15:01 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-06-18 13:45 | Cleared | 1 | 1 | 4 | 1 |
| 85684 |  |  | XXXX | XXXX | XXXX | FL | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4449861 | 2 of 3 | 2025-06-14 15:01 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-06-14 15:01 | Cleared | 1 | 1 | 4 | 1 |
| 85684 |  |  | XXXX | XXXX | XXXX | FL | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4449864 | 3 of 3 | 2025-06-14 15:01 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-14 15:01 | Cleared | 1 | 1 | 4 | 1 |
| 85686 |  |  | XXXX | XXXX | XXXX | CA | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4451038 | 1 of 3 | 2025-06-15 00:19 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-15 00:19 | Cleared | 1 | 1 | 1 | 1 |
| 85686 |  |  | XXXX | XXXX | XXXX | CA | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4451039 | 2 of 3 | 2025-06-15 00:19 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-06-15 00:19 | Cleared | 1 | 1 | 1 | 1 |
| 85686 |  |  | XXXX | XXXX | XXXX | CA | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 4451040 | 3 of 3 | 2025-06-15 00:19 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-06-15 00:19 | Cleared | 1 | 1 | 1 | 1 |

---

## Exhibit 99.08

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.08 - Schedule 2**

![](maxwell-logo.jpg)

Client MFA 2025-NQM5 <br> Transaction MFA 2025-NQM5 <br> Date 11/11/2025

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** |
| 82829 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 85453 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 85454 |  |  | XXXX | XXXX | 4 | 1 | 3 | 1 | 4 | 1 | 1 | 1 D A C |
| 85322 |  |  | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| 85455 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 85456 |  |  | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| 85323 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 86040 |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| 85529 |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| 85320 |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 B A |
| 85245 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 85457 |  |  | XXXX | XXXX | 4 | 1 | 3 | 1 | 4 | 1 | 1 | 1 D A C |
| 85458 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 85530 |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 3 | 2 C B A |
| 85531 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 85459 |  |  | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| 85461 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 85462 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 85463 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 85325 |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| 85532 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A |
| 85444 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 85464 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 85446 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 85533 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 85465 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 85466 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 85534 |  |  | XXXX | XXXX | 4 | 1 | 4 | 1 | 1 | 1 | 1 | 1 D A |
| 85467 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 85535 |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 D B A |
| 85468 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 85469 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 85470 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 85471 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 85447 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 85536 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 D A C |
| 85537 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 85538 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 85539 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 85540 |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| 85541 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 85542 |  |  | XXXX | XXXX | 4 | 1 | 1 | 1 | 4 | 1 | 1 | 1 D A |
| 86041 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 85543 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 85472 |  |  | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| 86042 |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| 86043 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 D A |
| 86044 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 85544 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 85396 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 86045 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 86046 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 86047 |  |  | XXXX | XXXX | 3 | 1 | 2 | 1 | 3 | 1 | 1 | 1 C A B |
| 86048 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 86049 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 86050 |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| 86051 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 86052 |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 85904 |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| 85685 |  |  | XXXX | XXXX | 3 | 1 | 2 | 1 | 3 | 1 | 1 | 1 C A B |
| 85684 |  |  | XXXX | XXXX | 4 | 1 | 4 | 1 | 1 | 1 | 1 | 1 A |
| 85686 |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

## Exhibit 99.08

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.08 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 82829 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85453 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 57.14 | 57.14 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85454 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85322 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 63.35 | 63.35 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85455 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 20.83 | 20.83 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85456 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85323 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 79.9 | 79.9 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 86040 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85529 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85320 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.82 | 70.82 | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | .0044 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85245 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85457 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85458 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 18.87 | 50.58 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85530 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85531 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85459 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 45.45 | 45.45 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85461 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 50.5 | 50.5 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85462 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .1167 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1167 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85463 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85325 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85532 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85444 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85464 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.26 | 60.26 | XXXX | XXXX | -.0824 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0824 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85446 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 68.35 | 68.35 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85533 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85465 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 41.67 | 41.67 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85466 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85534 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85467 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 40.7 | 40.7 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85535 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85468 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 29.13 | 29.13 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85469 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.98 | 74.98 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85470 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 17.98 | 49.94 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85471 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85447 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85536 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85537 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85538 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85539 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0571 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0571 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85540 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85541 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85542 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 86041 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85543 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0972 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0972 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 720000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85472 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 86042 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 52.83 | 52.83 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 86043 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 52.08 | 52.08 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 86044 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 46.0 | 46.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85544 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85396 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 52.11 | 52.11 | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | .0421 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 86045 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 32.43 | 32.43 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 86046 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 40.32 | 40.32 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 86047 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | .0242 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 86048 |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 86049 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 86050 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 86051 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 86052 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85904 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85685 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Adequate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85684 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0343 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0343 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85686 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 48.28 | 48.28 | XXXX | XXXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Adequate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.08

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.08 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 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 | 270 | 271 | 272 | 273 | 274 | 275 | 276 | 277 | 278 | 279 | 280 | 281 | 282 | 283 | 284 | 285 | 286 | 287 | 288 | 289 | 290 | 291 | 292 | 293 | 294 | 295 | 296 | 297 | 298 | 299 | 300 | 301 | 302 | 303 | 304 | 305 | 306 | 307 | 308 | 309 | 310 | 311 | 312 | 313 | 314 | 315 |
| **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 Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower1 SSN** | **Borrower2 SSN** | **Borrower 3 SSN** | **Borrower 4 SSN** | **First Time Homebuyer** | **Number of Units** | **Maturity Date** | **Note Type** | **Loan Type** | **Refinance Purpose** | **Borrower 1 Mailing Street Address** | **Borrower 1 Mailing City** | **Borrower 1 Mailing State** | **Borrower 1 Mailing Zip Code** | **Borrower 2 Mailing Street Address** | **Borrower 2 Mailing City** | **Borrower 2 Mailing State** | **Borrower 2 Mailing Zip Code** | **Borrower 3 Mailing Street** | **Borrower 3 Mailing City** | **Borrower 3 Mailing State** | **Borrower 3 Mailing Zip** | **Borrower 4 Mailing Street** | **Borrower 4 Mailing City** | **Borrower 4 Mailing Zip** | **Borrower 4 Mailing State** | **Prepay Penalty Calculation Description** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 1 Employer** | **Borrower 1 Position** | **Borrower 2 Employer** | **Borrower 2 Position** | **Borrower 3 Employer** | **Borrower 3 Position** | **Borrower 4 Employer** | **Borrower 4 Position** | **First Time Investor** | **Borrower 1 Years in Industry** | **Borrower 2 Years in Industry** | **Borrower 3 Years in Industry** | **Borrower 4 Years in Industry** | **Borrower 1 ITIN** | **Borrower 2 ITIN** | **Borrower 3 ITIN** | **Borrower 4 ITIN** | **Original Appraiser License Number** | **Original Appraiser Name** | **Property Location** |
| 82829 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.001 | 1 |  | Borrower | Borrower | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX |  |  |  | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Foreign National | Non-Permanent Non-US Citizen | N/A | Passport |  | N/A | Ethiopia | XXXX | USA | XXXX | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | Bank / Credit Reference | XXXX | 8 | XXXX | 8 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | DSCR | NA | XXXX | XXXX | Outside of the USA |  |  |  |  |  |  |  |  |  |  |  |  |  | 5% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85453 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A | XXXX | HI | XXXX |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.491 |  |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | HI | XXXX | XXXX | XXXX | XXXX |  |  |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | HI | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 110.9 | No | 57.14 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | DSCR | Cash Out - Other | XXXX | XXXX | HI | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 5% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85454 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | Yes | XXXX | HI | XXXX |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.179 | 1.179 |  | 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 | HI | XXXX | XXXX | XXXX | XXXX |  |  |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | HI | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 50.1 | No | 60 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | DSCR | Cash Out - Other | XXXX | XXXX | HI | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 5% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85322 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 6929.06 | XXXX | 6.790% | Manual Underwriting | Manual Underwriting | No | 8.059% |  | 7.750% | 7.750% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 26.25% | 26.25% | 26.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX |  |  |  | 808 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 119.5 | No | 63.35 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 11.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85455 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | Yes | XXXX | MA | XXXX |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.055 | 1.055 |  | 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 | MA | XXXX | XXXX | XXXX | XXXX |  |  |  | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 105.8 | No | 20.83 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 4 | XXXX | Fixed | DSCR | Cash Out - Other | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 5% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85456 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.375% | 7.375% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | FL | XXXX |  | Monthly | 28.71% | 28.71% | 28.71% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Audited | 12 | CPA |  |  |  | Yes | 29 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX |  |  |  | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 1.8 | XXXX | 14 | No | 75 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | FL | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | No | 3.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85323 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 42938.50 | XXXX | 6.870% | Manual Underwriting | Manual Underwriting | No | 7.276% |  | 6.990% | 6.990% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 34.63% | 34.63% | 34.63% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 75.14% | 100.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 25 | 18 | Work Number | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Passport |  | N/A | United States | XXXX | USA | 11-24-2029 | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 17.6 | XXXX | 17.6 | No | 79.9 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed | Conventional | Limited Cash Out - <1% of Loan Amount or $2000 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  | N/A - Not investment property | 21.00 | 15.00 |  |  | N/A | N/A |  |  | XXXX | XXXX | Suburban |
| 86040 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Interest Only | 4665.00 | XXXX | 6.570% | Manual Underwriting | Manual Underwriting | No | 7.413% |  | 7.375% | 7.375% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 11.99% | 12.00% | 12.00% | 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% | 31.68% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX |  |  |  | 657 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 37.8 | No | 50 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | FL | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 30.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85529 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 27290.00 | XXXX | 6.670% | Manual Underwriting | Manual Underwriting | No | 9.054% |  | 8.625% | 8.625% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 49.89% | 49.89% | 49.89% | 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 | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX |  |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 2.7 | XXXX | 2.7 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 8.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Urban |
| 85320 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 60065.00 | XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.793% |  | 7.625% | 7.625% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 24.48% | 24.48% | 24.48% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified | Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX |  |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 3.5 | XXXX | 3.7 | No | 70.82 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | No Cash Out - Borrower Initiated | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 3.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85245 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.22 | 1.159 |  | 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 | CA | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 10.1 | No | 65 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed | DSCR | Cash Out - Other | XXXX | XXXX | CA | XXXX | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  | 5% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | N/A | N/A |  |  | XXXX | XXXX | Suburban |
| 85457 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 13972.69 | XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.396% |  | 6.990% | 6.990% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 12.50% | 12.52% | 12.52% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes | Yes | No | 60 | No | Yes | Yes | 5 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SSI and Disability, Asset Depletion - Award Letter Verified, Personal Bank Statements Verified | Borrower | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XXXX |  |  |  | 775 |  |  |  |  |  |  |  |  | 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 |  | OR | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 480.4 | XXXX | 480.4 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | OR | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A - Not investment property |  |  |  |  | N/A |  |  |  | XXXX | XXXX | Urban |
| 85458 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 5290.00 | XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 9.899% |  | 9.500% | 9.500% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | CA | XXXX |  | Monthly | 42.63% | 42.82% | 42.82% | No | Yes |  |  |  |  |  |  | Employed | Retired |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | 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 | 29 | 29 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | 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 \|\| Co Borrower - Retirement - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT INFORMATION FORM | CA | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT INFORMATION FORM | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 38.7 | No | 50.58 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | CA | XXXX | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 32.00 |  |  |  | N/A | N/A |  |  | XXXX | XXXX | Suburban |
| 85530 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.875% | 7.875% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | TX | XXXX |  | Monthly | 49.53% | 48.14% | 48.14% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Third-Party Prepared (Unaudited) | 19 | Tax Preparer |  |  |  | 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), 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), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX |  |  |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 2.7 | XXXX | 98.8 | No | 75 | No | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | TX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | No | 11.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85531 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 13350.00 | XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 8.193% |  | 7.875% | 8.375% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 47.12% | 45.89% | 45.89% | 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 | 43 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX |  |  |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 9.7 | XXXX | 9.7 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | true | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | IL | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 3.33 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85459 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Interest Only | 9915.00 | XXXX | 6.790% | Manual Underwriting | Manual Underwriting | No | 7.025% |  | 6.750% | 6.750% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | FL | XXXX |  | Annually | 26.97% | 26.97% | 23.36% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Utilization (with DTI) | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 60 | No | Yes | N/A | 3 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Asset Depletion - 1 YR Executed 4506T Verified, Personal Bank Statements Verified | Borrower - 1 YR Executed 4506T Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX |  |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | FL | USA | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 114 | No | 45.45 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | FL | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A - Not investment property |  |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85461 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 10128.50 | XXXX | 6.790% | Manual Underwriting | Manual Underwriting | No | 7.079% |  | 6.875% | 6.875% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | CA | XXXX |  | Monthly | 40.61% | 40.61% | 40.61% | No | No |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Asset Utilization (with DTI) | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Other - CPA Letter Verified - 2025 - 2025 \|\| Co Borrower | Borrower - 2025 - 2025 \|\| Co Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 53.8 | XXXX | 166.6 | No | 50.5 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | true | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | CA | XXXX | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | N/A |  |  | XXXX | XXXX | Suburban |
| 85462 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 63665.00 | XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.583% |  | 7.250% | 7.250% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | FL | XXXX |  | Monthly | 20.85% | 20.91% | 20.91% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 18 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | Yes | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX |  |  |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 13.5 | XXXX | 13.5 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | true | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | FL | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 4.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85463 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 23790.00 | XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.407% |  | 7.125% | 7.125% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | HI | XXXX |  | Monthly | 44.34% | 44.34% | 44.34% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | Yes | Borrower - SECorporation, SECorporation - Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | HI | XXXX | XXXX | XXXX | XXXX |  |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | HI | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 40.4 | XXXX | 49.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | true | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | HI | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 7.08 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85325 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 6343.33 | XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 8.538% |  | 8.125% | 8.125% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 39.05% | 39.05% | 39.05% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Third-Party Prepared (Unaudited) | 18 | Tax Preparer |  |  |  | Yes | 18 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX |  |  |  | 742 |  |  |  |  |  |  |  |  | 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 |  | NC | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 11.2 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | NC | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | Yes | 12.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Urban |
| 85532 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.125% | 7.125% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | FL | XXXX |  | Monthly | 14.39% | 14.38% | 14.38% | 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% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 23.8 | XXXX | 23.8 | No | 75 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | FL | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | No | 7.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Urban |
| 85444 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $40.00 | 6.875% | 6.875% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 22.60% | 22.60% | 22.60% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, SECorporation, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XXXX |  |  |  | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 136.6 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | No | 14.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85464 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A | XXXX | SC | XXXX |  | Annually | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.183 | 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 | SC | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | SC | United States | XXXX |  |  | N/A |  |  | Permanent Resident Alien |  | N/A | Real ID Driver's License |  | SC | United States | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 10.5 | XXXX | 10.5 | No | 60.26 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed | DSCR | NA | XXXX | XXXX | SC | XXXX | XXXX | XXXX | SC | XXXX |  |  |  |  |  |  |  |  | 5% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | N/A |  |  | XXXX | XXXX | Suburban |
| 85446 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.78 | 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 | CT | XXXX | XXXX | XXXX | XXXX |  |  |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 38.3 | XXXX | 38.3 | No | 68.35 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | DSCR |  | XXXX | XXXX | CT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 5% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85533 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 10190.00 | XXXX | 6.610% | Manual Underwriting | Manual Underwriting | No | 7.416% |  | 7.125% | 7.125% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | FL | XXXX |  | Monthly | 38.25% | 38.25% | 38.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 1 |  | 1 Month | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | Yes | 32 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Wage - CPA Letter Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 1 YR Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX |  |  |  | 811 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 9.9 | XXXX | 9.9 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | true | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | FL | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 5.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85465 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.245 |  | 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 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX |  |  |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 28.5 | XXXX | 159 | No | 41.67 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | DSCR | Cash Out - Other | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 5% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85466 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 9710.00 | XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.560% |  | 7.250% | 7.250% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A | XXXX | TX | XXXX |  | Annually | 47556900.00% | 0.00% | 0.00% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Utilization (No DTI) | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | Yes | Yes | N/A | 6 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds,Proceeds from Sale | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - N/A - Personal Bank Statements Verified | Borrower | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX |  |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  | $No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 886.7 | XXXX | 886.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | TX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A - Not investment property |  |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85534 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.046 | 1.046 | 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 | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XXXX |  |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 166.8 | XXXX | 166.8 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | DSCR | NA | XXXX | XXXX | MA | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 5% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85467 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.148 | 1.016 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XXXX |  |  |  | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 138 | No | 40.7 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | DSCR | Cash Out - Other | XXXX | XXXX | MA | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 5% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | N/A |  |  |  | XXXX | XXXX | Urban |
| 85535 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.375% | 7.375% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 18.73% | 18.55% | 18.55% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 19 | CPA |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), 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, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 28.4 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | No | 15.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85468 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.250% | 6.250% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.075 | 1.131 |  | 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 | FL | XXXX | XXXX | XXXX | XXXX |  |  |  | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 8.4 | No | 29.13 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | DSCR | Cash Out - Other | XXXX | XXXX | FL | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 5%, 5%, 5%, 5%, 5% | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | No | 5.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85469 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Interest Only | 28033.75 | XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.864% |  | 7.625% | 7.625% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 45.71% | 42.53% | 42.53% | No | No |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 18 | CPA |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX |  |  |  | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States | XXXX | USA | XXXX | N/A |  |  |  |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 16.3 | No | 74.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  | N/A - Not investment property | 13.5 | 13.50 |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85470 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 18646.25 | XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 10.064% |  | 9.750% | 9.750% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | CA | XXXX |  | Monthly | 38.70% | 38.70% | 38.70% | No | No |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 23.2 | No | 49.94 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | CA | XXXX | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 20.00 |  |  |  | N/A | N/A |  |  | XXXX | XXXX | Suburban |
| 85471 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.125% | 8.125% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A | XXXX | FL | XXXX |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.081 | 1.074 |  | 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 | FL | XXXX | XXXX | XXXX | XXXX |  |  |  | 673 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States | XXXX | United States | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 25.6 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | DSCR | Cash Out - Other | XXXX | XXXX | FL | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 5% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85447 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 10790.00 | XXXX | 6.610% | Manual Underwriting | Manual Underwriting | No | 6.952% |  | 6.875% | 6.875% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | AZ | XXXX |  | Annually | 6.57% | 6.56% | 6.56% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, 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 | AZ | XXXX | XXXX | XXXX | XXXX |  |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 70.5 | XXXX | 70.5 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | AZ | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 20.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85536 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | No | 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 | 1.206 | 1.138 |  | 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 | CA | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure | CA | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act Information Form | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 145.7 | XXXX | 145.7 | No | 50 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | false | 2 | XXXX | Fixed | DSCR | NA | XXXX | XXXX | CA | XXXX | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  | 5% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.00 |  |  |  | N/A | N/A |  |  | XXXX | XXXX | Suburban |
| 85537 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 21388.60 | XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.482% |  | 7.250% | 7.250% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | ID | XXXX |  | Annually | 48.74% | 45.11% | 45.11% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 60 | No | Yes | N/A | 3 | 0 | No |  |  |  | 0.00% | 50.00% |  | Stocks/Bonds | Audited | 19 | CPA |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Asset Depletion, 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, YTD Profit And Loss Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | ID | XXXX | XXXX | XXXX | XXXX |  |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | ID | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 129.3 | XXXX | 129.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 5.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85538 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 31790.00 | XXXX | 6.610% | Manual Underwriting | Manual Underwriting | No | 7.670% |  | 7.375% | 7.375% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 34.08% | 34.08% | 34.08% | 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 | 18 | CPA |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX |  |  |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 10.6 | XXXX | 10.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | true | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 50.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85539 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 31321.25 | XXXX | 6.630% | Manual Underwriting | Manual Underwriting | No | 6.925% |  | 6.750% | 6.750% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | FL | XXXX |  | Monthly | 15.08% | 15.08% | 15.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), 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 | FL | XXXX | XXXX | XXXX | XXXX |  |  |  | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 18.3 | XXXX | 18.3 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | FL | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 15.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85540 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 9415.00 | XXXX | 6.630% | Manual Underwriting | Manual Underwriting | No | 7.395% |  | 7.000% | 7.000% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 19.07% | 19.07% | 19.07% | No |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | Yes | No | 60 | No | Yes | N/A | 3 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified | Borrower | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX |  |  |  | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 427.4 | XXXX | 427.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed |  | NA | XXXX | XXXX | TX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85541 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 10188.00 | XXXX | 6.610% | Manual Underwriting | Manual Underwriting | No | 7.392% |  | 7.125% | 7.125% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | CO | XXXX |  | Annually | 48.22% | 47.98% | 47.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR 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 | 31 | CPA |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX |  |  |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CO | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 109.8 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | CO | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | No | 17.67 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85542 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | CO | XXXX |  | Annually | 48.05% | 49.83% | 49.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 31 | CPA |  |  |  | Yes | 92 | 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, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX |  |  |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CO | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 45.7 | XXXX | 53 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | CO | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 17.67 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 86041 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 13.07% | 11.08% | 11.08% | 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 |  |  |  | 98.59% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, 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 | CA | XXXX | XXXX | XXXX | XXXX |  |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 79 | XXXX | 79 | No | 85 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | No Cash Out - Borrower Initiated | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | No | 17.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85543 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 8810.00 | XXXX | 6.610% | Manual Underwriting | Manual Underwriting | No | 7.149% |  | 6.875% | 6.875% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | CA | XXXX |  | Monthly | 38.64% | 38.64% | 38.64% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 60 | No | Yes | N/A | 3 | 0 | Yes | N/A | 3 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Asset Depletion, SSI and Disability - Personal Bank Statements Verified, null Business Bank Statements Verified - 2025 - 2025 \|\| Co Borrower - SSI and Disability, Retirement - Personal Bank Statements Verified, null Business Bank Statements Verified - 2025 - 2025 | Borrower - 2025 - 2025 \|\| Co Borrower - 2025 - 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 63.3 | XXXX | 63.3 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | CA | XXXX | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | N/A - Not investment property |  |  |  |  | N/A | N/A |  |  | XXXX | XXXX | Suburban |
| 85472 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | 23400.00 | XXXX | 6.670% | Manual Underwriting | Manual Underwriting | No | 8.125% | $0.00 | 8.125% | 8.125% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A | XXXX | TN | XXXX |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Utilization (No DTI) | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | Yes | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - N/A | Borrower | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XXXX |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 100.7 | XXXX | 100.7 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | TN | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 86042 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.075 | 1.075 |  | 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 | CA | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 12.2 | No | 52.83 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed | DSCR | Cash Out - Other | XXXX | XXXX | CA | XXXX | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  | 5% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.00 |  |  |  | N/A | N/A |  |  | XXXX | XXXX | Suburban |
| 86043 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | No | 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 | 0.876 |  |  | 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 | CA | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 18.1 | No | 52.08 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed | DSCR | Cash Out - Other | XXXX | XXXX | CA | XXXX | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  | 5% | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | N/A | N/A |  |  | XXXX | XXXX | Suburban |
| 86044 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.1 |  |  | 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 | FL | XXXX | XXXX | XXXX | XXXX |  |  |  | 714 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 42.4 | No | 46 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | DSCR | Cash Out - Other | XXXX | XXXX | FL | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 5% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85544 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 14096.50 | XXXX | 6.630% | Manual Underwriting | Manual Underwriting | No | 7.605% |  | 7.250% | 7.250% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | TX | XXXX |  | Annually | 30.84% | 30.84% | 30.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Audited | 19 | CPA |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | XXXX | 7.7 | XXXX | 7.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | TX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 3.08 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85396 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 26540.00 | XXXX | 6.630% | Manual Underwriting | Manual Underwriting | No | 6.965% |  | 6.875% | 6.875% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A | XXXX | CA | XXXX |  | Monthly | 0.00% | 0.00% | 0.00% | No |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Asset Utilization (No DTI) | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | Yes | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - N/A | Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX |  |  |  | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | XXXX | 57.4 | XXXX | 57.4 | No | 52.11 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A - Not investment property | 2.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 86045 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 25040.00 | XXXX | 6.570% | Manual Underwriting | Manual Underwriting | No | 6.520% |  | 6.250% | 6.250% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 42.03% | 42.03% | 42.03% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 2 |  | 2+ Months | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA | Yes | No | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Asset Depletion, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | HI | XXXX | XXXX | XXXX | XXXX |  |  |  | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | XXXX | 297.5 | XXXX | 297.5 | No | 32.43 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | HI | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 3.83 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 86046 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 21790.00 | XXXX | 6.630% | Manual Underwriting | Manual Underwriting | No | 6.815% |  | 6.625% | 6.625% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | CA | XXXX |  | Annually | 19.98% | 20.34% | 20.34% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes | Yes | No | 60 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Asset Depletion - Award Letter Verified | Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX |  |  |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 419.4 | XXXX | 476.7 | No | 40.32 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A - Not investment property | 2.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 86047 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 100990.00 | XXXX | 6.540% | Manual Underwriting | Manual Underwriting | No | 7.334% |  | 7.125% | 7.125% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | CA | XXXX |  | Annually | 43.44% | 43.35% | 43.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 19 | CPA |  |  |  | Yes | 0 | 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 | CA | XXXX | XXXX | XXXX | XXXX |  |  |  | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | XXXX | 6.3 | XXXX | 6.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | true | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 12.17 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 86048 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.250% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 43.58% | 43.59% | 43.59% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX |  |  |  | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 17.9 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | Cash Out - Other | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | No | 22.17 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 86049 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 13610.00 | XXXX | 6.540% | Manual Underwriting | Manual Underwriting | No | 7.486% |  | 7.250% | 7.250% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 34.61% | 34.30% | 34.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | Tax Preparer |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX |  |  |  | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | CA | Mexico | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | XXXX | 8.2 | XXXX | 8.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 5.33 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 86050 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 13451.25 | XXXX | 6.540% | Manual Underwriting | Manual Underwriting | No | 6.680% |  | 6.500% | 6.500% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | AZ | XXXX |  | Monthly | 10.26% | 10.26% | 10.26% | 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% | 19.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX |  |  |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | XXXX | 71.5 | XXXX | 71.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | true | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | AZ | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 13.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 86051 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 9440.00 | XXXX | 6.540% | Manual Underwriting | Manual Underwriting | No | 6.634% |  | 6.500% | 6.500% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 16.22% | 16.22% | 16.22% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Asset Utilization (with DTI) | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 60 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Asset Depletion \|\| Co Borrower - Asset Depletion | Borrower \|\| Co Borrower | XXXX | XXXX | HI | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | HI | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | HI | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | XXXX | 405.5 | XXXX | 405.5 | No | 60 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | true | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | HI | XXXX | XXXX | XXXX | HI | XXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | N/A - Not investment property |  |  |  |  | N/A | N/A |  |  | XXXX | XXXX | Suburban |
| 86052 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 6.625% | 6.625% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 43.18% | 43.22% | 43.22% | 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 | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX |  |  |  | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 12.1 | XXXX | 12.1 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | No | 23.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85904 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | XXXX |  |  | 48.33% | 48.33% | 48.33% | 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 |  |  |  | 60.11% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 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), 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 | CA | XXXX | XXXX | XXXX | XXXX |  |  |  | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 12.4 | XXXX | 12.4 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | No | 6.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85685 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 9957.16 | XXXX | 6.800% | Manual Underwriting | Manual Underwriting | No | 7.450% |  | 7.250% | 7.250% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | VA | XXXX |  | Monthly | 49.68% | 49.95% | 49.95% | No | No |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 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 | 32 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 805 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  | $No | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States | XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.2 | XXXX | 8.2 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  | false | 1 | XXXX | Fixed | Conventional | NA | XXXX | XXXX | VA | XXXX | XXXX | XXXX | VA | XXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | N/A - Not investment property | 2.75 | 0.00 |  |  | N/A | N/A |  |  | XXXX | XXXX | Suburban |
| 85684 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.375% | 7.375% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.037 | 1.037 | Yes | 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 | FL | XXXX | XXXX | XXXX | XXXX |  |  |  | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 5.4 | XXXX | 5.4 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | DSCR | NA | XXXX | XXXX | FL | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |
| 85686 |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | N/A |  |  | XXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.065 | 1.065 | Yes | 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 | CA | XXXX | XXXX | XXXX | XXXX |  |  |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 46.3 | XXXX | 46.3 | No | 48.28 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  | false | 1 | XXXX | Fixed | DSCR | NA | XXXX | XXXX | CA | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.00 |  |  |  | N/A |  |  |  | XXXX | XXXX | Suburban |

---

## Exhibit 99.08

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.08 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 82829 |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | XXXX | Appraisal - 1007 | No | 99.88 | 1 | 1.001 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  |  |  | XXXX |  |  |  |  |  |  | No | No | 2.2 | 1 | 1 | Bank / Credit Reference | 8.04 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 85453 |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 |  |  |  |  | XXXX | Appraisal - 1007 | No | 67.08 |  | 1.491 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  | No | 8.6 | 2 | 1 | N/A | 110.93 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 85454 |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 | XXXX | Other | 12 |  | XXXX | Other | Yes | 84.82 | 1.179 | 1.179 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 50.07 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 85455 |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | XXXX | Appraisal - 1007 | No | 56.9 | 1.055 | 1.055 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | XXXX |  |  |  |  |  |  | No | No | 18.7 | 1 | 1 | N/A | 105.84 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 85456 |  |  | XXXX | XXXX | 1YR Business P&L | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 13.97 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 85245 |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 |  |  |  |  | XXXX | Appraisal - 1007 | No | 107.87 | 1.159 | 1.22 | XXXX | XXXX | XXXX | 60 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 10.07 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |  |  |
| 85530 |  |  | XXXX | XXXX | 1YR Business P&L | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 98.82 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 85325 |  |  | XXXX | XXXX | 1YR Business P&L | Present | Subject Owner Occupied/Vacant |  |  |  |  |  |  |  |  |  | No |  |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 11.19 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 85532 |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  |  |  |  |  |  |  |  |  |  |  | No | 3.3 | 1 | 1 | N/A | 23.75 | Yes | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 85444 |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 136.55 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 85464 |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 |  |  |  |  | XXXX | Appraisal - 1007 | No | 84.56 | 1.18 | 1.183 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 10.52 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 85446 |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | XXXX | Appraisal - 1007 | No | 128.25 | 0.78 | 0.78 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | XXXX |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 38.27 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 85465 |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | XXXX | Appraisal - 1007 | No | 80.33 |  | 1.245 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | 0 | XXXX |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0.3 | 1 | 1 | N/A | 158.99 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 85534 |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | XXXX | Appraisal - 1007 | No | 95.64 | 1.046 | 1.046 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  | No | No | 9.8 | 1 | 1 | N/A | 166.79 | No |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 85467 |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | XXXX | Appraisal - 1007 | No | 97.54 | 1.016 | 1.148 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | XXXX |  |  |  |  |  |  | No | No | 18.7 | 1 | 1 | N/A | 137.97 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 85535 |  |  | XXXX | XXXX | 1YR Business P&L | Present | Yes |  |  |  |  |  |  |  |  |  | No |  |  | 0 | XXXX | XXXX | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 28.41 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 85468 |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | XXXX | Actual In Place Rent | No | 88.42 | 1.131 | 1.075 | XXXX | XXXX | XXXX | 5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | XXXX |  |  |  |  |  |  | No | No | 7.6 | 1 | 1 | N/A | 8.39 | Yes | XXXX | Corporation |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse |  |
| 85471 |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | XXXX | Appraisal - 1007 | No | 92.5 | 1.074 | 1.081 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  |  |  | XXXX |  |  |  |  |  |  | No | No | 19.2 | 1 | 1 | N/A | 25.64 | Yes | XXXX | Corporation | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse |  |
| 85536 |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Missing | Subject Owner Occupied/Vacant | XXXX | XXXX | Appraisal - 1025 |  |  |  |  | XXXX | Appraisal - 1025 | No | 103.64 | 1.138 | 1.206 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 145.69 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 86041 |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 79 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| 85472 |  |  | XXXX | XXXX | Asset Utilization (No DTI) | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 100.71 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 86042 |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 |  |  |  |  | XXXX | Appraisal - 1007 | No | 93.06 | 1.075 | 1.075 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  | No | 14.6 | 1 | 1 |  | 12.15 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 86043 |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | XXXX | Appraisal - 1007 | No | 114.21 |  | 0.876 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  |  |  | XXXX |  |  |  |  |  |  | No | No | 14.6 | 1 | 1 | N/A | 18.13 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 86044 |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | XXXX | Appraisal - 1007 | No | 90.91 |  | 1.1 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | XXXX |  |  |  |  |  |  | No | No | 18.2 | 1 | 1 | N/A | 42.39 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 86048 |  |  | XXXX | XXXX | 1YR Business P&L | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | No | 2.2 | 1 | 1 | N/A | 17.87 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 86052 |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.4 | 1 | 1 | N/A | 12.09 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 85904 |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | No | 8.6 | 1 | 1 | N/A | 12.36 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 85684 |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | XXXX | XXXX | Appraisal - 1007 |  | N/A |  |  | XXXX | Appraisal - 1007 | No | 96.39 | 1.037 | 1.037 | XXXX | XXXX | XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  | No | No | 3.6 | 1 | 1 | N/A | 5.38 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 85686 |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | XXXX | XXXX | Appraisal - 1007 | XXXX | AirDNA | 12 |  | XXXX | AirDNA | Yes | 93.91 | 1.065 | 1.065 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  |  |  | XXXX |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 46.28 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |

---

## Exhibit 99.08

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.08 - Schedule 6**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 85453 |  |  | Final Reviewed QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Investment transactions are not subject to QM/ATR requirements. |
| 85454 |  |  | Final Reviewed QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | DSCR loans are exempt |
| 85455 |  |  | Final Reviewed QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | loan is DSCR |
| 85245 |  |  | Final Reviewed QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | DSCR |
| 85457 |  |  | Reviewed Total Debt Income Ratio | 12.52 | 12.5 | XXXX |
| 85530 |  |  | Final Reviewed QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Investment transactions are not subject to QM/ATR requirements. |
| 85462 |  |  | Borrower 1 Last Name | XXXX | XXXX | Per identification |
| 85325 |  |  | Business Purpose Flag | Yes | No | Verified with documents provided. |
| 85325 |  |  | Final Reviewed QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Investment transactions are not subject to QM/ATR requirements. |
| 85532 |  |  | Final Reviewed QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Investment transactions are not subject to QM/ATR requirements. |
| 85444 |  |  | Final Reviewed QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Business purpose |
| 85464 |  |  | Verified Doc Type | Debt Service Coverage Ratio | Investor - DSCR | Verified |
| 85464 |  |  | Final Reviewed QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified |
| 85446 |  |  | Final Reviewed QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | DSCR is exempt |
| 85465 |  |  | Final Reviewed QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Investment transactions are not subject to QM/ATR requirements. |
| 85535 |  |  | Final Reviewed QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Investment transactions are not subject to QM/ATR requirements |
| 85468 |  |  | Final Reviewed QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | DSCR is excempt |
| 85471 |  |  | Final Reviewed QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | DSCR loans are exempt |
| 85536 |  |  | Final Reviewed QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | DSCR loans are excempt |
| 85537 |  |  | Reviewed Total Debt Income Ratio | 45.11 | 48.743 | Variance due to subject HOA. |
| 85541 |  |  | Business Purpose Flag | Yes | No | Per borrower loan purpose letter, the loan proceeds are to purchase the primary residence - the address reconciles with the loan application as the primary residence. Therefore, the loan is subject to TRID review and not considered "business purpose". |
| 85541 |  |  | Final Reviewed QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Investment transactions are not subject to QM/ATR requirements. |
| 85543 |  |  | Final Reviewed QM Status | QM: Average Prime Offer Rate (APOR) | Non-QM: Lender documented all ATR UW factors | Verified with documents provided. |
| 86042 |  |  | Final Reviewed QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | DSCR loans are exempt |
| 86043 |  |  | Final Reviewed QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Investment transactions are not subject to QM/ATR requirements. |
| 86044 |  |  | Final Reviewed QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Investment transactions are not subject to QM/ATR requirements. |
| 86045 |  |  | Occupancy | Second Home | Primary Residence | per review 2nd home purchase |
| 86046 |  |  | Reviewed Total Debt Income Ratio | 20.34 | 19.981 | Per the documentation provided in the loan file. |
| 85685 |  |  | CLTV | 72.2 | 80.00 | XXXX |
| 85685 |  |  | Qualifying Total Monthly Liabilities | XXXX | XXXX | per documentation |

---

## Exhibit 99.09

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.09**

![](ex9909001.jpg)

MFA 2025-NQM5

MFA Financial

Opus Capital Markets Consultants, LLC

**Executive Narrative**

**November 20, 2025**

**Performed by**

**Opus Capital Markets Consultants, LLC**

**For**

**MFA Financial**

The report summarizes the results of a due diligence review performed on a pool of 97 loans, of which were purchased by MFA Financial ("Customer") from an originator (the "Originator") who is a client of Opus Capital Markets Consultants, LLC ("Consultant") under a reliance letter, and for which the Originator provided Consultant with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed compliance and credit review of all loans.

As detailed herein, the pool contains ninety-one (91) non-QM loans and six (6) ATR/QM Exempt loans, of which are Business Purpose loans. All loans were re-underwritten in accordance with the lender guidelines in terms of Exhibit A.

EXHIBIT A

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.

&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

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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**c)** Credit
 Docs

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

● Underwriting Worksheet: Verify the presence of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● 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 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.

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:

&nbsp;&nbsp;&nbsp;&nbsp;1. The
 "material"<sup>1</sup> 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, as set forth
 below:

&nbsp;&nbsp;&nbsp;&nbsp;&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;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;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;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;&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 tolerances and disclosures were provided within the required timeframes.

&nbsp;&nbsp;&nbsp;&nbsp;&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;i. Confirm
 the initial Loan Estimate ()"**LE**") was delivered within three (3) business
 days of application and seven

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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) 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;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;iii. Confirm
 the Closing Disclosure (CD) confirm the borrower received the initial CD at least three
 (3) business days prior to consummation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. 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.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Section
 4 of the Real Estate Settlement Procedures Act ()"**RESPA** "), 12 U.S.C.
 §2603 and 2604, as implemented by Regulation X, 12

<sup>1</sup> 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).

C.F.R. Part 1024, and as amended by the TRID Rule;

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";

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;&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;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;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;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;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;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;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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Final
 Truth in Lending Disclosure ()"**TIL** "), if applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&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;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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;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;&nbsp;&nbsp;&nbsp;&nbsp;e. Notice
 of Right to Cancel (if applicable);

&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;g. Good
Faith Estimate ()"**GFE** "), if applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;i. Mortgage/Deed
 of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. FACTA
disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;&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;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;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;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 Consultant is relying in reaching such findings.

Ability to Repay and Qualified Mortgage Review

&nbsp;&nbsp;&nbsp;&nbsp;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.

&nbsp;&nbsp;&nbsp;&nbsp;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.

&nbsp;&nbsp;&nbsp;&nbsp;3.  **<u>For Non-Agency Eligible Loans</u>** : Consultant reviews applicable loans for compliance
 with the Ability to Repay ()"**ATR**") but not 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;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;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;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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;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;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;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;3. Monthly
 mortgage payment for subject loan using the introductory or fully indexed rate, whichever
 is higher, and monthly, fully amortized 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;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;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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;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;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;ii. For
 loans designated as agency eligible, Consultant will not review for compliance with the
 requirements of Appendix Q or General Ability to Repay.

&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.

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.

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.

● 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 12 CFR § 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.

● Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

● California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et seq.

● 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 House 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.

● Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005).

● Indiana Home Loan Practices Act, 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. §§ 09. 03.06.01 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 Servicer 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 imple <u>mente</u> d by Ohio Admin. Rules § 109 4-3-01 et seq.

● City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, <u>Or</u> d <u>ina</u> nce No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

● Summit County, Ohio, Anti-Predatory Lending Ordi <u>nance,</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 Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

● 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Meets
requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&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

Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:

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.

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; and

● 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 regulations, and therefore Opus will not have 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; and

● 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

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

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 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 "**Underwriting Guidelines**") 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 that each guarantor and/or owner of the borrowing entity's 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 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.

**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>Pool Details</u>**

![](ex9909002.jpg)

![](ex9909003.jpg)

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;95.88% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;3 | &nbsp;&nbsp;96.91% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.97% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.97% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;96.91% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;96.91% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;39 | &nbsp;&nbsp;59.79% |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;**97** |  |

---

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| S&P | Moody's | Fitch | Kroll | DBRS | Definition |
| A | A | A | A | A | Loan conforms to all applicable guidelines, no conditions noted |
| B | B | B | B | B | 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 |
| C | C | C | C | C | 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 |
| D | D | D | D | D | The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| S&P | Moody's | Kroll | DBRS | Definition |
| A | A | A | A | The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| B | B | B | B | 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 |
| C | C | C | C | The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| D | D | D | D | The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| Fitch | Definition |
| A | The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| B | The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| C | The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| D | The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| Moody's | Definition |
| A | 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. |
| B | Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| C | 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 |
| D | The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| S&P | Definition |
| A | 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. |
| B | 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 |
| C | 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 |
| D | The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

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 November 19, 2025.

---

| | | |
|:---|:---|:---|
| **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;84 | &nbsp;&nbsp;86.60% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;13 | &nbsp;&nbsp;13.40% |
| &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;92 | &nbsp;&nbsp;94.85% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;5.15% |
| &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;88 | &nbsp;&nbsp;90.72% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;9.28% |
| &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;97 | &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% |

---

---

| | | |
|:---|:---|:---|
| **Overall Grade Summary** | | |
| &nbsp;&nbsp;**S&P** **NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;60 | &nbsp;&nbsp;61.86% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;37 | &nbsp;&nbsp;38.14% |
| &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;92 | &nbsp;&nbsp;94.85% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;5.15% |
| &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;88 | &nbsp;&nbsp;90.72% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;9.28% |
| &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;68 | &nbsp;&nbsp;70.10% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;29 | &nbsp;&nbsp;29.90% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**<u>Loans Reviewed (97)</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;85553 | &nbsp;&nbsp;85620 | &nbsp;&nbsp;85581 | &nbsp;&nbsp;85958 | &nbsp;&nbsp;85989 | &nbsp;&nbsp;86011 | &nbsp;&nbsp;86034 |
| &nbsp;&nbsp;85554 | &nbsp;&nbsp;85577 | &nbsp;&nbsp;85582 | &nbsp;&nbsp;85959 | &nbsp;&nbsp;85986 | &nbsp;&nbsp;86012 | &nbsp;&nbsp;85946 |
| &nbsp;&nbsp;85546 | &nbsp;&nbsp;85590 | &nbsp;&nbsp;85574 | &nbsp;&nbsp;85960 | &nbsp;&nbsp;85987 | &nbsp;&nbsp;86013 | &nbsp;&nbsp;85947 |
| &nbsp;&nbsp;85547 | &nbsp;&nbsp;85591 | &nbsp;&nbsp;85571 | &nbsp;&nbsp;85961 | &nbsp;&nbsp;85997 | &nbsp;&nbsp;86014 | &nbsp;&nbsp;85948 |
| &nbsp;&nbsp;85548 | &nbsp;&nbsp;85598 | &nbsp;&nbsp;85568 | &nbsp;&nbsp;85962 | &nbsp;&nbsp;85998 | &nbsp;&nbsp;86015 | &nbsp;&nbsp;85949 |
| &nbsp;&nbsp;85549 | &nbsp;&nbsp;85592 | &nbsp;&nbsp;85565 | &nbsp;&nbsp;85963 | &nbsp;&nbsp;85999 | &nbsp;&nbsp;86006 | &nbsp;&nbsp;85950 |
| &nbsp;&nbsp;85550 | &nbsp;&nbsp;85593 | &nbsp;&nbsp;85566 | &nbsp;&nbsp;85973 | &nbsp;&nbsp;85995 | &nbsp;&nbsp;86007 | &nbsp;&nbsp;85951 |
| &nbsp;&nbsp;85551 | &nbsp;&nbsp;85601 | &nbsp;&nbsp;85562 | &nbsp;&nbsp;85977 | &nbsp;&nbsp;85984 | &nbsp;&nbsp;86008 | &nbsp;&nbsp;85953 |
| &nbsp;&nbsp;85552 | &nbsp;&nbsp;85602 | &nbsp;&nbsp;85560 | &nbsp;&nbsp;85968 | &nbsp;&nbsp;85983 | &nbsp;&nbsp;86003 | &nbsp;&nbsp;85954 |
| &nbsp;&nbsp;85545 | &nbsp;&nbsp;85600 | &nbsp;&nbsp;85555 | &nbsp;&nbsp;85969 | &nbsp;&nbsp;85980 | &nbsp;&nbsp;86030 | &nbsp;&nbsp;85955 |
| &nbsp;&nbsp;85587 | &nbsp;&nbsp;85603 | &nbsp;&nbsp;85556 | &nbsp;&nbsp;85972 | &nbsp;&nbsp;85978 | &nbsp;&nbsp;86020 | &nbsp;&nbsp;85956 |
| &nbsp;&nbsp;85606 | &nbsp;&nbsp;85586 | &nbsp;&nbsp;85558 | &nbsp;&nbsp;85971 | &nbsp;&nbsp;86017 | &nbsp;&nbsp;86025 | &nbsp;&nbsp;85957 |
| &nbsp;&nbsp;85616 | &nbsp;&nbsp;85579 | &nbsp;&nbsp;85559 | &nbsp;&nbsp;85965 | &nbsp;&nbsp;86018 | &nbsp;&nbsp;86026 | &nbsp;&nbsp;85952 |
| &nbsp;&nbsp;85619 | &nbsp;&nbsp;85580 | &nbsp;&nbsp;85622 | &nbsp;&nbsp;85988 | &nbsp;&nbsp;85991 | &nbsp;&nbsp;86027 |  |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com.

## Exhibit 99.09

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.09 - Schedule 1**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 85545 | XXXX | X,XXX,XXX.XX C A B |
| XXXX | 85946 | XXXX | X,XXX,XXX.XX A B |
| XXXX | 85546 | XXXX | X,XXX,XXX.XX A C B |
| XXXX | 85547 | XXXX | X,XXX,XXX.XX D A |
| XXXX | 85548 | XXXX | X,XXX,XXX.XX A B |
| XXXX | 85549 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85550 | XXXX | X,XXX,XXX.XX D A |
| XXXX | 85551 | XXXX | X,XXX,XXX.XX A B |
| XXXX | 85552 | XXXX | X,XXX,XXX.XX A D B |
| XXXX | 85947 | XXXX | X,XXX,XXX.XX A B |
| XXXX | 85948 | XXXX | X,XXX,XXX.XX A B |
| XXXX | 85949 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85950 | XXXX | X,XXX,XXX.XX A B |
| XXXX | 85951 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85553 | XXXX | X,XXX,XXX.XX A B |
| XXXX | 85952 | XXXX | X,XXX,XXX.XX A D |
| XXXX | 85554 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85953 | XXXX | X,XXX,XXX.XX B C A |
| XXXX | 85954 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85955 | XXXX | X,XXX,XXX.XX C A B |
| XXXX | 85956 | XXXX | X,XXX,XXX.XX A C |
| XXXX | 85957 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85555 | XXXX | X,XXX,XXX.XX A B |
| XXXX | 85556 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85558 | XXXX | X,XXX,XXX.XX A B |
| XXXX | 85559 | XXXX | X,XXX,XXX.XX A C B |
| XXXX | 85958 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85959 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85560 | XXXX | X,XXX,XXX.XX B A |
| XXXX | 85562 | XXXX | X,XXX,XXX.XX A D |
| XXXX | 85565 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85566 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85568 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85571 | XXXX | X,XXX,XXX.XX A B |
| XXXX | 85960 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85961 | XXXX | X,XXX,XXX.XX D A |
| XXXX | 85574 | XXXX | X,XXX,XXX.XX C A B |
| XXXX | 85577 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85579 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85580 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85581 | XXXX | X,XXX,XXX.XX A C |
| XXXX | 85582 | XXXX | X,XXX,XXX.XX D A |
| XXXX | 85586 | XXXX | X,XXX,XXX.XX A B |
| XXXX | 85962 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85963 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85587 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85590 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85591 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85965 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85592 | XXXX | X,XXX,XXX.XX A B |
| XXXX | 85593 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85598 | XXXX | X,XXX,XXX.XX D A B |
| XXXX | 85600 | XXXX | X,XXX,XXX.XX C A B |
| XXXX | 85968 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85969 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85971 | XXXX | X,XXX,XXX.XX A B |
| XXXX | 85601 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85602 | XXXX | X,XXX,XXX.XX A B |
| XXXX | 85972 | XXXX | X,XXX,XXX.XX D A |
| XXXX | 85603 | XXXX | X,XXX,XXX.XX A C D B |
| XXXX | 85973 | XXXX | X,XXX,XXX.XX A B |
| XXXX | 85977 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85606 | XXXX | X,XXX,XXX.XX D C A B |
| XXXX | 85978 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85980 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85983 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85616 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85984 | XXXX | X,XXX,XXX.XX B A |
| XXXX | 85619 | XXXX | X,XXX,XXX.XX C A |
| XXXX | 85986 | XXXX | X,XXX,XXX.XX A B |
| XXXX | 85987 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85620 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85988 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85989 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85622 | XXXX | X,XXX,XXX.XX C A |
| XXXX | 85991 | XXXX | X,XXX,XXX.XX A C |
| XXXX | 85995 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85997 | XXXX | X,XXX,XXX.XX D A |
| XXXX | 85998 | XXXX | X,XXX,XXX.XX A |
| XXXX | 85999 | XXXX | X,XXX,XXX.XX B A |
| XXXX | 86003 | XXXX | X,XXX,XXX.XX A B |
| XXXX | 86006 | XXXX | X,XXX,XXX.XX A |
| XXXX | 86007 | XXXX | X,XXX,XXX.XX A |
| XXXX | 86008 | XXXX | X,XXX,XXX.XX A B |
| XXXX | 86011 | XXXX | X,XXX,XXX.XX A B |
| XXXX | 86012 | XXXX | X,XXX,XXX.XX D A B |
| XXXX | 86013 | XXXX | X,XXX,XXX.XX A D |
| XXXX | 86014 | XXXX | X,XXX,XXX.XX A C B |
| XXXX | 86015 | XXXX | X,XXX,XXX.XX A |
| XXXX | 86017 | XXXX | X,XXX,XXX.XX B A |
| XXXX | 86018 | XXXX | X,XXX,XXX.XX A C |
| XXXX | 86020 | XXXX | X,XXX,XXX.XX A |
| XXXX | 86025 | XXXX | X,XXX,XXX.XX A C |
| XXXX | 86026 | XXXX | X,XXX,XXX.XX A |
| XXXX | 86027 | XXXX | X,XXX,XXX.XX A |
| XXXX | 86030 | XXXX | X,XXX,XXX.XX A |
| XXXX | 86034 | XXXX | X,XXX,XXX.XX A B |

---

## Exhibit 99.09

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.09 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | XXXX | 85545 | XXXX | Closed | 2025-08-28 16:48 | 2025-09-10 22:43 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-An approved exception dated prior to consummation is in the loan file and all compensating factors were reviewed and validated. This exception is downgraded and will be rated B for all agencies. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. UW LOGIC attached - Buyer-09/10/2025 <br> Counter-Please have the exception approval updated with the notes listed in the original exception comment. Condition maintained. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. Please see attached approval - Buyer-09/09/2025 <br> Open- Guidelines do not allow cash out refinance on a Rural Property. Lender provided an exception to allow a cash out refinance based on the exact parameters (LTV, DTI, Credit Score, Reserves) on the exception form. Any changes to the parameters (Unless better) will require a new review through the exception process. The Exception was approved with a DTI of 47.377% and the loan closed with DTI of 49.40% as reflected on the 1008. Additionally, the requestor for the exception stated borrower cash in hand was $X,XXX.XX and the Final CD shows cash in hand of $X,XXX.XX. This file must be re-reviewed through the exception process and a new approved exception provided with corrected information. - Due Diligence Vendor-08/28/2025 |  | Waived-An approved exception dated prior to consummation is in the loan file and all compensating factors were reviewed and validated. This exception is downgraded and will be rated B for all agencies. - Due Diligence Vendor-09/10/2025<br>| XXXX |  | IRA distribution letter rec'd and first mo dist of 25k and verified 3 yrs continuance<br> Borrower has owned property since XXXX per title report<br> 63.22% LTV<br> Credit - seasoned tradelines, extensive credit depth, seasoned mortgage payment history, inquiries resulted in no or insignificant new debts<br> Surplus of reserves by 59 mos<br>| XX | Second Home | Refinance | Cash Out - Other | 5349402 | Originator Pre-Close | Yes |
| XXXX | XXXX | 85547 | XXXX | Closed | 2025-08-26 15:36 | 2025-09-03 15:33 | Resolved | 1 - Information | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | Resolved-Final statement provided. Finding resolved. - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. Attached final HUD-1 from sale of non-subject property - Buyer-09/03/2025 <br>Open-Missing final HUD-1 from sale of non-subject property. - Due Diligence Vendor-08/26/2025 |  | Resolved-Final statement provided. Finding resolved. - Due Diligence Vendor-09/03/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 5319103 | N/A | N/A |
| XXXX | XXXX | 85548 | XXXX | Closed | 2025-08-29 15:35 | 2025-08-29 15:35 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/29/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/29/2025<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5362212 | Investor Post-Close | No |
| XXXX | XXXX | 85551 | XXXX | Closed | 2025-08-19 17:06 | 2025-08-19 17:12 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/19/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/19/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 5235274 | Investor Post-Close | No |
| XXXX | XXXX | 85558 | XXXX | Closed | 2025-09-09 13:55 | 2025-09-09 13:55 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/09/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/09/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 5463866 | Investor Post-Close | No |
| XXXX | XXXX | 85559 | XXXX | Closed | 2025-09-12 16:26 | 2025-09-12 16:26 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-09/12/2025 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-09/12/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 5518013 | Investor Post-Close | No |
| XXXX | XXXX | 85559 | XXXX | Closed | 2025-08-20 20:59 | 2025-09-05 13:46 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Cured-Tolerance cure and Papertrail provided. Finding cured. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. Attached refund check $X,XXX.XX, LOE, PCCD and Fedex. - Seller-09/04/2025 <br> Open-A Lender Credit for Excess Charges of ($X,XXX.XX), Principal Reduction for Excess Charges of ($X,XXX.XX), and general or specific lender credit increases of ($X,XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. HOA Certification Handling Fee on Final CD dated XX/XX/XXXX is $X,XXX.XX. Initial LE dated XX/XX/XXXX lists fee as $X,XXX.XX. This fee is in a 0% tolerance section. Lender tolerance cure of $X,XXX.XX is required. Section J reflects $100 tolerance cure that is insufficient. Tolerance cure of $X,XXX.XX to be provided within 60 days of discovery. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/20/2025 | XXXX | Cured-Tolerance cure and Papertrail provided. Finding cured. - Due Diligence Vendor-09/05/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 5256892 | N/A | N/A |
| XXXX | XXXX | 85559 | XXXX | Closed | 2025-08-20 20:59 | 2025-09-05 13:46 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Cured-Tolerance cure and Papertrail provided. Finding cured. - Due Diligence Vendor-09/05/2025 <br>Ready for Review-Document Uploaded. Attached refund check $395, LOE, PCCD and Fedex. - Buyer-09/04/2025 <br>Open-A Lender Credit for Excess Charges of ($100.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($495.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. HOA Certification Handling Fee on Final CD dated 07/21/2025 is $495. Initial LE dated 05/19/2025 lists fee as $0. This fee is in a 0% tolerance section. Lender tolerance cure of $495 is required. Section J reflects $100 tolerance cure that is insufficient. Tolerance cure of $395 to be provided within 60 days of discovery. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-08/21/2025 <br>Open- - Due Diligence Vendor-08/21/2025 <br>Open- - Due Diligence Vendor-08/21/2025 <br>Open- - Due Diligence Vendor-08/21/2025 <br>Open- - Due Diligence Vendor-08/20/2025 |  | Cured-Tolerance cure and Papertrail provided. Finding cured. - Due Diligence Vendor-09/05/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 5256890 | N/A | N/A |
| XXXX | XXXX | 85560 | XXXX | Closed | 2025-08-20 15:19 | 2025-09-16 15:07 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of $X,XXX.XX is less than the Guideline Minimum Loan Amount of $150000 Lender guideline states minimum loan amount is $150, 000/-.Despite this requirement, documentation in file indicates loan amount is $X,XXX.XX-. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/20/2025 | XXXX | Waived-Audited Loan Amount of $X,XXX.XX is less than the Guideline Minimum Loan Amount of $150000 Lender guideline states minimum loan amount is $150, 000/-.Despite this requirement, documentation in file indicates loan amount is $X,XXX.XX/-. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/20/2025 |  |  | FICO 769 vs. 660 minimum<br> DTI < max 50% | XX | Primary Residence | Purchase | NA | 5248975 | Originator Pre-Close | Yes |
| XXXX | XXXX | 85560 | XXXX | Closed | 2025-08-28 18:28 | 2025-08-28 18:28 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/28/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/28/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 5351114 | Investor Post-Close | No |
| XXXX | XXXX | 85560 | XXXX | Closed | 2025-08-28 18:23 | 2025-08-28 18:26 | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Property type is ineligible due to insurance is actual cash value for the roof. . Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/28/2025 |  | Waived-Property type is ineligible due to insurance is actual cash value for the roof. . Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/28/2025<br>|  |  | FICO 769 vs. 660 minimum<br> DTI < max 50% | XX | Primary Residence | Purchase | NA | 5351038 | Originator Pre-Close | Yes |
| XXXX | XXXX | 85562 | XXXX | Closed | 2025-06-23 18:43 | 2025-08-13 00:27 | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-PUD rider received. Finding resolved. - Due Diligence Vendor-08/13/2025 <br>Ready for Review-Document Uploaded. DOT and PUD - Buyer-08/11/2025 <br>Open-Missing Mortgage Riders – PUD Rider The Appraisal and Title, 10-A, reflect the property as a PUD - Due Diligence Vendor-06/23/2025 |  | Resolved-PUD rider received. Finding resolved. - Due Diligence Vendor-08/13/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 4531865 | N/A | N/A |
| XXXX | XXXX | 85571 | XXXX | Closed | 2025-08-28 18:27 | 2025-08-28 18:27 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/28/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/28/2025<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5351093 | Investor Post-Close | No |
| XXXX | XXXX | 85581 | XXXX | Closed | 2025-08-17 20:07 | 2025-09-09 21:15 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD issues reflecting corrected disbursement date. Finding resolved. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. PCCD attached - Buyer-09/09/2025 <br> Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX The loan disbursed onXX/XX/XXXX per the final CD, which did not give the Borrower a full 3 days rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission.<br> - Due Diligence Vendor-08/17/2025 <br> Open- - Due Diligence Vendor-08/19/2025 <br> Open- - Due Diligence Vendor-08/17/2025 <br> Open- - Due Diligence Vendor-08/17/2025 |  | Resolved-PCCD issues reflecting corrected disbursement date. Finding resolved. - Due Diligence Vendor-09/09/2025<br>| XXXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5205801 | N/A | N/A |
| XXXX | XXXX | 85586 | XXXX | Closed | 2025-08-21 16:37 | 2025-08-22 13:18 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/21/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/21/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 5268354 | Investor Post-Close | No |
| XXXX | XXXX | 85592 | XXXX | Closed | 2025-08-20 12:09 | 2025-09-12 15:43 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/12/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/12/2025<br>|  |  |  | XX | Second Home | Purchase | NA | 5245233 | Investor Post-Close | No |
| XXXX | XXXX | 85602 | XXXX | Closed | 2025-08-19 19:05 | 2025-08-19 19:05 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/19/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/19/2025<br>|  |  |  | XX | Second Home | Purchase | NA | 5237867 | Investor Post-Close | No |
| XXXX | XXXX | 85603 | XXXX | Closed | 2025-08-26 12:49 | 2025-09-09 17:58 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Initial CD provided. Finding resolved. - Due Diligence Vendor-09/09/2025 <br> Resolved-Resolved - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. Attached The Initial Closing Disclosure and Tracking Disclosure. - Seller-09/09/2025 <br> Counter-Responded provided the same document at issue. The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Condition maintained. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. Attached Initial Closing Disclosure - Seller-09/04/2025 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-08/26/2025 <br> Open- - Due Diligence Vendor-08/26/2025 | XXXX | Resolved-Initial CD provided. Finding resolved. - Due Diligence Vendor-09/09/2025 <br>Resolved-Resolved - Due Diligence Vendor-09/09/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 5315210 | N/A | N/A |
| XXXX | XXXX | 85603 | XXXX | Closed | 2025-08-26 12:35 | 2025-09-03 15:05 | Resolved | 1 - Information | Property | Missing Doc | Missing Appraisal (Property) | Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. Attached Appraisal - Buyer-09/03/2025 <br>Open-Appraisal or other primary valuation product is missing - Due Diligence Vendor-08/26/2025 |  | Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-09/03/2025<br>| XXXX |  | Appraisal or other primary valuation product is missing | XX | Primary Residence | Purchase | NA | 5315024 | N/A | N/A |
| XXXX | XXXX | 85603 | XXXX | Closed | 2025-08-26 12:03 | 2025-09-02 16:50 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/26/2025 |  | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/26/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 5314645 | Investor Post-Close | No |
| XXXX | XXXX | 85603 | XXXX | Closed | 2025-08-26 12:03 | 2025-09-02 16:50 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/26/2025 |  | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/26/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 5314642 | Investor Post-Close | No |
| XXXX | XXXX | 85603 | XXXX | Closed | 2025-08-26 12:03 | 2025-09-02 16:49 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete | Acknowledged-FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/26/2025 |  | Acknowledged-FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/26/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 5314643 | Investor Post-Close | No |
| XXXX | XXXX | 85603 | XXXX | Closed | 2025-08-26 12:03 | 2025-09-02 16:49 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/26/2025 |  | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/26/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 5314641 | Investor Post-Close | No |
| XXXX | XXXX | 85606 | XXXX | Closed | 2025-08-19 18:59 | 2025-09-16 14:21 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Bank statements provided - Due Diligence Vendor-08/22/2025 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/22/2025 <br>Ready for Review-Document Uploaded. Attached Income docs, Bank Statements, Purchase Agreements. - Buyer-08/21/2025 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements The bank statements provided for closing qualifying income, closing costs and reserves are not legible, and therefore unable to Verify Income & Asset for Consideration. - Due Diligence Vendor-08/19/2025 |  | Resolved-Bank statements provided - Due Diligence Vendor-08/22/2025 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-08/22/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 5237687 | N/A | N/A |
| XXXX | XXXX | 85606 | XXXX | Closed | 2025-08-19 20:10 | 2025-08-22 17:14 | Resolved | 1 - Information | Credit | Missing Doc | Missing Asset Documentation | Resolved-Bank statements provided - Due Diligence Vendor-08/22/2025 <br>Ready for Review-Document Uploaded. Attached income and bank statements - Buyer-08/21/2025 <br>Open-Missing Asset Documentation. The bank statements provided are not legible, and therefore unable to validate funds for closing and reserves. Provide legible bank statements. Additional conditions may apply. - Due Diligence Vendor-08/19/2025 |  | Resolved-Bank statements provided - Due Diligence Vendor-08/22/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 5238999 | N/A | N/A |
| XXXX | XXXX | 85606 | XXXX | Closed | 2025-08-19 20:07 | 2025-08-22 17:13 | Resolved | 1 - Information | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-Bank statements provided - Due Diligence Vendor-08/22/2025 <br>Ready for Review-Document Uploaded. Attached Bank statements - Buyer-08/21/2025 <br>Open-The loan has been conditionally qualified based on income calculated by Lender using 12 months bank statements. However, the submitted statements are illegible, preventing verification of the income used for qualification. Provide legible bank statements. Additional conditions may apply. - Due Diligence Vendor-08/19/2025 |  | Resolved-Bank statements provided - Due Diligence Vendor-08/22/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 5238953 | N/A | N/A |
| XXXX | XXXX | 85606 | XXXX | Closed | 2025-08-20 13:24 | 2025-08-22 17:08 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/20/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/20/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 5246175 | Investor Post-Close | No |
| XXXX | XXXX | 85619 | XXXX | Closed | 2025-08-29 18:22 | 2025-09-09 16:18 | Resolved | 1 - Information | Credit | Eligibility | Appraisal form does not match property type | Resolved-Subject re-recorded as PUD. Finding resolved. - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Document Uploaded. The property was found to be a PUD and title is going to get this re-recorded as such. Thank you! - Buyer-09/08/2025 <br>Open-The appraisal was prepared on an incorrect form. The appraisal form in file does not match the Mortgage and lender approval property type of Condominium. A 1073 Individual Condo Report is missing from file. - Due Diligence Vendor-08/29/2025 |  | Resolved-Subject re-recorded as PUD. Finding resolved. - Due Diligence Vendor-09/09/2025<br>| XXXX |  |  | XX | Second Home | Purchase | NA | 5364958 | N/A | N/A |
| XXXX | XXXX | 85622 | XXXX | Closed | 2025-08-28 19:47 | 2025-09-05 13:57 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Hazard Insurance Coverage Amount of $X,XXX.XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. This property is located in Florida, and cost estimators are not allowed. The policy checklist is attached and used in place and shows Loss Settlement Basis: replacement cost for dwelling coverage - Buyer-09/04/2025 <br> Open-Hazard Insurance Coverage Amount of $X,XXX.XX is less than Total Amount of Subject Lien(s) of $X,XXX.XX Dwelling coverage $X,XXX.XX \* 25% = $X,XXX.XX is less than the $X,XXX.XX estimate of cost new on the appraisal. No Cost Estimator provided by insurance agency. - Due Diligence Vendor-08/28/2025 |  | Resolved-Hazard Insurance Coverage Amount of $X,XXX.XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-09/05/2025 | XXXX |  |  | XX | Primary Residence | Purchase | NA | 5352396 | N/A | N/A |
| XXXX | XXXX | 85971 | XXXX | Closed | 2025-08-29 11:24 | 2025-08-29 11:24 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/29/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/29/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 5363121 | Investor Post-Close | No |
| XXXX | XXXX | 85952 | XXXX | Closed | 2025-08-25 14:23 | 2025-09-09 15:58 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Document Uploaded. Please see attached FINAL CD - Buyer-09/09/2025 <br>Open-TRID: Missing Final Closing Disclosure . Additional conditions may apply. - Due Diligence Vendor-08/25/2025 |  | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-09/09/2025<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 5306786 | N/A | N/A |
| XXXX | XXXX | 85984 | XXXX | Closed | 2025-09-09 08:10 | 2025-09-09 10:38 | Waived | 2 - Non-Material | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Qualifying 1099 Income routed through borrower's Business vs personal wages. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Per exception, borrower should be qualified with 1099 program/documentation vs 1120S documents provided in loan file for income calculation. - Due Diligence Vendor-09/09/2025 |  | Waived-Qualifying 1099 Income routed through borrower's Business vs personal wages. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Per exception, borrower should be qualified with 1099 program/documentation vs 1120S documents provided in loan file for income calculation. - Due Diligence Vendor-09/09/2025<br>|  |  | Monthly residual income $X,XXX.XX and 82mos reserves | XX | Investment | Purchase | NA | 5463206 | Originator Pre-Close | Yes |
| XXXX | XXXX | 85986 | XXXX | Closed | 2025-09-12 08:31 | 2025-09-12 08:31 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/12/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/12/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 5513894 | Investor Post-Close | No |
| XXXX | XXXX | 85948 | XXXX | Closed | 2025-09-11 10:31 | 2025-09-17 08:05 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/11/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/11/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 5501440 | Investor Post-Close | No |
| XXXX | XXXX | 85971 | XXXX | Closed | 2025-08-29 16:33 | 2025-09-09 15:50 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Document Uploaded. B1 drivers License attached - Buyer-09/09/2025 <br>Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-09/09/2025 |  | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-09/09/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 5368273 | N/A | N/A |
| XXXX | XXXX | 85984 | XXXX | Closed | 2025-09-09 15:25 | 2025-09-09 15:26 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/09/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/09/2025<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5473306 | Investor Post-Close | No |
| XXXX | XXXX | 85997 | XXXX | Closed | 2025-09-02 15:50 | 2025-09-15 16:31 | Resolved | 1 - Information | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-1008 provided. Finding resolved. - Due Diligence Vendor-09/15/2025 <br>Ready for Review-Document Uploaded. 1008 - Buyer-09/15/2025 <br>Open-Missing Approval/Underwriting Summary 1008 Transmittal Summary / Loan Approval is missing with final qualifying income and debt figures. Additional conditions may apply. - Due Diligence Vendor-09/02/2025 |  | Resolved-1008 provided. Finding resolved. - Due Diligence Vendor-09/15/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 5385609 | N/A | N/A |
| XXXX | XXXX | 85999 | XXXX | Closed | 2025-09-09 13:55 | 2025-09-09 14:04 | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 80% exceeds Guideline LTV of 75% Property is rural. Loan LTV of 80% exceeds 75% maximum allowed per Guidelines for rural properties. Lender provided exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/09/2025 |  | Waived-Audited LTV of 80% exceeds Guideline LTV of 75% Property is rural. Loan LTV of 80% exceeds 75% maximum allowed per Guidelines for rural properties. Lender provided exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/09/2025<br>|  |  | DTI 14.285% vs. 50% max<br> 24 most post-close liquidity<br> $X,XXX.XX residual income<br> Proximity to large town | XX | Primary Residence | Purchase | NA | 5471397 | Originator Pre-Close | Yes |
| XXXX | XXXX | 86013 | XXXX | Closed | 2025-09-05 09:53 | 2025-09-12 08:38 | Resolved | 1 - Information | Property | Missing Doc | Missing Appraisal (Property) | Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. Attached Appraisal report - Buyer-09/11/2025 <br>Open-Appraisal or other primary valuation product is missing Please provide full/complete appraisal. The bottom of all pages of appraisal in file are cut off. - Due Diligence Vendor-09/05/2025 |  | Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-09/12/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 5426515 | N/A | N/A |
| XXXX | XXXX | 85946 | XXXX | Closed | 2025-09-11 15:32 | 2025-09-15 16:19 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/11/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/11/2025<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5507701 | Investor Post-Close | No |
| XXXX | XXXX | 85947 | XXXX | Closed | 2025-09-15 12:16 | 2025-09-15 12:20 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/15/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/15/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 5539406 | Investor Post-Close | No |
| XXXX | XXXX | 85950 | XXXX | Closed | 2025-09-10 09:09 | 2025-09-15 14:12 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Acknowledged-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/10/2025 |  | Acknowledged-RESPA: IEADS Required - Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/10/2025<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5481062 | Investor Post-Close | No |
| XXXX | XXXX | 85953 | XXXX | Closed | 2025-09-18 12:55 | 2025-09-25 17:12 | Cured | 2 - Non-Material | Compliance | Points & Fees | Charges That in Total Cannot Increase More Than 10% Failure | Cured-PCCD, evidence of $X,XXX.XX refund to borrower received. Finding is cured. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Attached refund docs - Buyer-09/25/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance. The final charges that in total cannot increase more than 10% exceed the comparable charges by more than 10%. The Loan Estimate, dated XX/XX/XXXX, reflects the baseline 10% fees in Section E at 110% as $X,XXX.XX. The 10% fees reflected on the Final CD dated XX/XX/XXXX total $X,XXX.XX. The Washington Foreclosure Prevention Fee is a 10% fee. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-09/18/2025 |  | Cured-PCCD, evidence of $X,XXX.XX refund to borrower received. Finding is cured. - Due Diligence Vendor-09/25/2025 | XXXX |  |  | XX | Primary Residence | Purchase | NA | 5589599 | N/A | N/A |
| XXXX | XXXX | 85953 | XXXX | Closed | 2025-09-11 13:01 | 2025-09-18 13:15 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 7.44 month(s) are less than Guideline Required Reserves of 12 month(s) Guidelines require 12 months reserves and borrowers have only 7.44. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/11/2025 |  | Waived-Audited Reserves of 7.44 month(s) are less than Guideline Required Reserves of 12 month(s) Guidelines require 12 months reserves and borrowers have only 7.44. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/11/2025<br>|  |  | The sale of borrower's current home is scheduled to close XX/XX/XXXX resulting in proceeds to borrower of approximately $X,XXX.XX . | XX | Primary Residence | Purchase | NA | 5504761 | Originator Pre-Close | Yes |
| XXXX | XXXX | 85953 | XXXX | Closed | 2025-09-11 12:38 | 2025-09-18 13:13 | Waived | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Waived-Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is less than Total Required Reserve Amount of $X,XXX.XX . Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/11/2025 |  | Waived-Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is less than Total Required Reserve Amount of $X,XXX.XX. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/11/2025 |  |  | The sale of borrower's current home is scheduled to close XX/XX/XXXX resulting in proceeds to borrower of approximately $X,XXX.XX . | XX | Primary Residence | Purchase | NA | 5504336 | Originator Pre-Close | Yes |
| XXXX | XXXX | 85955 | XXXX | Closed | 2025-09-10 10:41 | 2025-09-18 14:44 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. Please see attached for brws current ID - Buyer-09/18/2025 <br> Open-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. The photo ID provided in file expired XX/XX/XXXXand the Patriot Act in file is signed but not completed. - Due Diligence Vendor-09/10/2025 |  | Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-09/18/2025 | XXXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5485097 | N/A | N/A |
| XXXX | XXXX | 85955 | XXXX | Closed | 2025-09-10 10:45 | 2025-09-10 10:45 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/10/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/10/2025<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5485190 | Investor Post-Close | No |
| XXXX | XXXX | 85956 | XXXX | Closed | 2025-09-12 13:13 | 2025-09-17 13:23 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Disclosure tracking received, evidencing receipt of CD on XX/XX/XXXX. Finding Resolved - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/17/2025 <br> Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure.<br> - Due Diligence Vendor-09/12/2025 <br> Open- - Due Diligence Vendor-09/12/2025 |  | Resolved-Disclosure tracking received, evidencing receipt of CD on XX/XX/XXXX. Finding Resolved - Due Diligence Vendor-09/17/2025 | XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 5520244 | N/A | N/A |
| XXXX | XXXX | 85972 | XXXX | Closed | 2025-09-19 10:06 | 2025-10-09 15:02 | Resolved | 1 - Information | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/09/2025 <br>Ready for Review-Document Uploaded. flood cert - Buyer-10/09/2025 <br>Open-Flood Certificate is Partially Provided Flood Certificate in file is not legible. - Due Diligence Vendor-09/19/2025 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/09/2025<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 5600849 | N/A | N/A |
| XXXX | XXXX | 85972 | XXXX | Closed | 2025-09-19 10:06 | 2025-10-09 15:02 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Hazard Insurance Coverage Amount of $X,XXX.XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-10/09/2025 <br> Open-Hazard Insurance Coverage Amount of $X,XXX.XX is less than Total Amount of Subject Lien(s) of $X,XXX.XX - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. This is a XX property and ins co's will not provider an RCE. Email from insurance agent. - Buyer-10/09/2025 <br> Open-Hazard Insurance Coverage Amount of $X,XXX.XX is less than Total Amount of Subject Lien(s) of $X,XXX.XX Dwelling coverage $X,XXX.XX is less than loan amount and total estimate of cost new on the appraisal. No replacement cost estimator in file from insurance company and no evidence of "Guaranteed Replacement". - Due Diligence Vendor-09/19/2025 |  | Resolved-Hazard Insurance Coverage Amount of $X,XXX.XXis equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-10/09/2025 | XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 5600850 | N/A | N/A |
| XXXX | XXXX | 85991 | XXXX | Closed | 2025-09-11 09:13 | 2025-09-22 15:03 | Resolved | 1 - Information | Compliance | Mavent | Fees: Limited | Resolved-PCCD received evidencing $X,XXX.XX fee charged to borrower. Finding resolved. - Due Diligence Vendor-09/22/2025 <br> Resolved- - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. Attached CD reflecting the Foreclosure Prevention Fee of $X,XXX.XX - Buyer-09/22/2025 <br> Open-Washington requires every borrower in a residential mortgage loan to pay an $X,XXX.XX Foreclosure Prevention Fee. The System did not find an $X,XXX.XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "XXXX Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW 61.24; RCW 31.04.015(24)) No Fee charged for XXXX Foreclosure Prevention on Final CD. Loan closed on XX/XX/XXXX. - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/11/2025 <br> Open- - Due Diligence Vendor-09/11/2025 |  | Resolved-PCCD received evidencing $X,XXX.XX fee charged to borrower. Finding resolved. - Due Diligence Vendor-09/22/2025 | XXXX |  |  | XX | Second Home | Purchase | NA | 5498773 | N/A | N/A |
| XXXX | XXXX | 86003 | XXXX | Closed | 2025-09-07 10:20 | 2025-09-10 11:40 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/10/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/10/2025<br>|  |  |  | XX | Second Home | Purchase | NA | 5442618 | Investor Post-Close | No |
| XXXX | XXXX | 86011 | XXXX | Closed | 2025-09-12 07:32 | 2025-09-17 12:41 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/12/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/12/2025<br>|  |  |  | XX | Second Home | Purchase | NA | 5513029 | Investor Post-Close | No |
| XXXX | XXXX | 86012 | XXXX | Closed | 2025-09-11 10:19 | 2025-09-22 08:23 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-09/19/2025 <br>Open-Missing Borrower Identification - Borrower 1. Missing completed Patriot Act Form or copy of valid photo ID. - Due Diligence Vendor-09/11/2025 |  | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-09/22/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 5500473 | N/A | N/A |
| XXXX | XXXX | 86012 | XXXX | Closed | 2025-09-18 11:31 | 2025-09-18 11:32 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/18/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/18/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 5588016 | Investor Post-Close | No |
| XXXX | XXXX | 86014 | XXXX | Closed | 2025-09-18 08:03 | 2025-09-23 10:25 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Cured-PCCD and evidence of refund to borrower received. Finding cured. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. Please see attached refund letter, refund check, FedEx label and PCCD. - Buyer-09/22/2025 <br> Open-A Lender Credit for Excess Charges of ($X,XXX.XX), Principal Reduction for Excess Charges of ($X,XXX.XX), and general or specific lender credit increases of ($X,XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The Loan Estimate, dated XX/XX/XXXX, reflects a general Lender Credit of $X,XXX.XX in Section J. Final CD dated XX/XX/XXXX reflects a general Lender Credit of $0 in Section J and Lender Paid fees of $X,XXX.XX. The loan file did not contain a valid COC to support the decrease. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX.XXis required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-09/18/2025 <br> Open- - Due Diligence Vendor-09/18/2025 |  | Cured-PCCD and evidence of refund to borrower received. Finding cured. - Due Diligence Vendor-09/23/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 5582798 | N/A | N/A |
| XXXX | XXXX | 86014 | XXXX | Closed | 2025-09-18 08:03 | 2025-09-23 10:25 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Cured-PCCD and evidence of refund to borrower received. Finding cured. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. Please see attached refund letter, refund check, FedEx label and PCCD. - Buyer-09/22/2025 <br> Open-A Lender Credit for Excess Charges of ($X,XXX.XX), Principal Reduction for Excess Charges of ($X,XXX.XX), and general or specific lender credit increases of ($X,XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The Loan Estimate, dated XX/XX/XXXX, reflects a general Lender Credit of $X,XXX.XX in Section J. Final CD dated XX/XX/XXXX reflects a general Lender Credit of $0 in Section J and Lender Paid fees of $X,XXX.XX. The loan file did not contain a valid COC to support the decrease. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX.XXis required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-09/18/2025 <br> Open- - Due Diligence Vendor-09/18/2025 |  | Cured-PCCD and evidence of refund to borrower received. Finding cured. - Due Diligence Vendor-09/23/2025<br>| XXXX |  |  | XX | Primary Residence | Purchase | NA | 5582797 | N/A | N/A |
| XXXX | XXXX | 86017 | XXXX | Closed | 2025-09-11 09:42 | 2025-09-17 16:03 | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 80% exceeds Guideline LTV of 70% Guidelines allow a Max LTV of 70% for Rural properties. Despite this requirement, the LTV was approved at 80%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/11/2025 |  | Waived-Audited LTV of 80% exceeds Guideline LTV of 70% Guidelines allow a Max LTV of 70% for Rural properties. Despite this requirement, the LTV was approved at 80%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/11/2025<br>|  |  | FICO 42 pts over<br> Residual income $X,XXX.XX . <br> Income rec'd not being used to qualify<br> DTI 39.7%<br> 10.54 mos reserves | XX | Second Home | Purchase | NA | 5499435 | Originator Pre-Close | Yes |
| XXXX | XXXX | 86017 | XXXX | Closed | 2025-09-11 09:42 | 2025-09-17 16:03 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 80% exceeds Guideline CLTV of 70% Guidelines allow a Max CLTV of 70% for Rural properties. Despite this requirement, the CLTV was approved at 80%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/11/2025 |  | Waived-Audited CLTV of 80% exceeds Guideline CLTV of 70% Guidelines allow a Max CLTV of 70% for Rural properties. Despite this requirement, the CLTV was approved at 80%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/11/2025 |  |  | FICO 42 pts over<br> Residual income $X,XXX.XX . <br> Income rec'd not being used to qualify<br> DTI 39.7%<br> 10.54 mos reserves | XX | Second Home | Purchase | NA | 5499433 | Originator Pre-Close | Yes |
| XXXX | XXXX | 86017 | XXXX | Closed | 2025-09-11 09:42 | 2025-09-17 16:03 | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HLTV of 80% exceeds Guideline HCLTV of 70% Guidelines allow a Max HCLTV of 70% for Rural properties. Despite this requirement, the HCLTV was approved at 80%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/11/2025 |  | Waived-Audited HLTV of 80% exceeds Guideline HCLTV of 70% Guidelines allow a Max HCLTV of 70% for Rural properties. Despite this requirement, the HCLTV was approved at 80%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/11/2025 |  |  | FICO 42 pts over<br> Residual income $X,XXX.XX .<br> Income rec'd not being used to qualify<br> DTI 39.7%<br> 10.54 mos reserves | XX | Second Home | Purchase | NA | 5499434 | Originator Pre-Close | Yes |
| XXXX | XXXX | 86017 | XXXX | Closed | 2025-09-11 09:42 | 2025-09-11 09:42 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/11/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/11/2025<br>|  |  |  | XX | Second Home | Purchase | NA | 5499436 | Investor Post-Close | No |
| XXXX | XXXX | 86018 | XXXX | Closed | 2025-09-10 10:45 | 2025-09-23 10:02 | Resolved | 1 - Information | Compliance | Mavent | Fees: Limited | Resolved- - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-09/22/2025 <br> Open-XXXX requires every borrower in a residential mortgage loan to pay an $X,XXX.XXForeclosure Prevention Fee. The System did not find an $X,XXX.XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "XXXX Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW 61.24; RCW 31.04.015(24)) XXXX Foreclosure Prevention Fee was not charged on the Final CD and loan closed after XX/XX/XXXX. - Due Diligence Vendor-09/10/2025 <br> Open- - Due Diligence Vendor-09/21/2025 <br> Open- - Due Diligence Vendor-09/10/2025 |  | Resolved- - Due Diligence Vendor-09/23/2025 | XXXX |  |  | XX | Primary Residence | Purchase | NA | 5485198 | N/A | N/A |
| XXXX | XXXX | 86034 | XXXX | Closed | 2025-09-23 09:35 | 2025-09-23 09:35 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/23/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/23/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 5634019 | Investor Post-Close | No |
| XXXX | XXXX | 86008 | XXXX | Closed | 2025-09-19 02:03 | 2025-09-26 13:56 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/19/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/19/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 5595734 | Investor Post-Close | No |
| XXXX | XXXX | 86034 | XXXX | Closed | 2025-09-16 13:22 | 2025-10-03 10:02 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001257) | Resolved-PCCD provided showing borrower selected own title service provider. Finding resolved. - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. Please see post close CD with fees in correct bucket. Title company is not listed as a service provider. Thank you - Buyer-10/03/2025 <br> Open- - Due Diligence Vendor-09/26/2025 <br> Open-The total amount of the 10% category fees ($X,XXX.XX) has increased by more than 10% over the current baseline value of $X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust, Title Endorsement Fee, Notary Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The Loan Estimate, dated XX/XX/XXXX, reflects the baseline 10% fees at 110% as $X,XXX.XX. The 10% fees reflected on the Final CD dated XX/XX/XXXX total $X,XXX.XX. The loan file did not contain a valid COC to support the increase in the Endorsement and Recording fees and addition of the Notary fee. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-09/16/2025 <br> Open- - Due Diligence Vendor-09/16/2025 <br> Open- - Due Diligence Vendor-09/16/2025 |  | Resolved-PCCD provided showing borrower selected own title service provider. Finding resolved. - Due Diligence Vendor-10/03/2025<br>| XXXX |  |  | XX | Second Home | Purchase | NA | 5557588 | N/A | N/A |
| XXXX | XXXX | 86034 | XXXX | Closed | 2025-09-16 13:22 | 2025-10-03 10:02 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001258) | Resolved-PCCD provided showing borrower selected own title service provider. Finding resolved. - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. Please see post close CD with fees in correct bucket. Title company is not listed as a service provider. Thank you - Buyer-10/03/2025 <br> Open- - Due Diligence Vendor-09/26/2025 <br> Open-The total amount of the 10% category fees ($X,XXX.XX) has increased by more than 10% over the current baseline value of $X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust, Title Endorsement Fee, Notary Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The Loan Estimate, dated XX/XX/XXXX, reflects the baseline 10% fees at 110% as $X,XXX.XX. The 10% fees reflected on the Final CD dated XX/XX/XXXX total $X,XXX.XX. The loan file did not contain a valid COC to support the increase in the Endorsement and Recording fees and addition of the Notary fee. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-09/16/2025 <br> Open- - Due Diligence Vendor-09/16/2025 <br> Open- - Due Diligence Vendor-09/16/2025 |  | Resolved-PCCD provided showing borrower selected own title service provider. Finding resolved. - Due Diligence Vendor-10/03/2025<br>| XXXX |  |  | XX | Second Home | Purchase | NA | 5557587 | N/A | N/A |
| XXXX | XXXX | 85546 | XXXX | Closed | 2025-08-14 15:00 | 2025-09-15 16:37 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Resolved-Appraisal provided to borrower. finding resolved. - Due Diligence Vendor-09/15/2025 <br>Ready for Review-Document Uploaded. Please refer to the disclosure tracking, uploaded - Buyer-09/15/2025 <br>Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-08/14/2025 |  | Resolved-Appraisal provided to borrower. finding resolved. - Due Diligence Vendor-09/15/2025<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5183660 | N/A | N/A |
| XXXX | XXXX | 85546 | XXXX | Closed | 2025-08-14 15:25 | 2025-08-14 15:25 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/14/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/14/2025<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5184095 | Investor Post-Close | No |
| XXXX | XXXX | 85574 | XXXX | Closed | 2025-08-20 13:08 | 2025-10-02 09:56 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-09/24/2025 <br> Ready for Review- - Due Diligence Vendor-09/22/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. LD approval - Buyer-09/22/2025 <br> Counter-. - Due Diligence Vendor-09/22/2025 <br> Counter-The subject loan closed on XX/XX/XXXX. The asset balance as of XX/XX/XXXX will be accepted in the amount of $X,XXX.XX. There was a large Transfer deposit in the amount of $X,XXX.XX after the closing date which will not be allowed. Reserves are still short $X,XXX.XX. Exception would be required for Reserve shortage. - Due Diligence Vendor-09/22/2025 <br> Counter-. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. Please see attached asset stmt. Thanks - Seller-09/18/2025 <br> Counter-See page 201. Also will post to bulletin board. - Due Diligence Vendor-09/04/2025 <br> Ready for Review-We cannot find the document with the "updated balance dated XX/XX/XXXX" what document are you referring too? <br>- Seller-08/28/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Guidelines require 9 months reserves for subject plus 2% of financed REO balance which is $X,XXX.XX for total reserves $X,XXX.XX. Total verified assets available for reserves was $X,XXX.XX ($X,XXX.XX - cash to close $X,XXX.XX = $X,XXX.XX). Lender used qualifying asset total $X,XXX.XX, which was the balance on the XX/XX/XXXX bank statement for account #XXXX. However, there was an updated balance dated XX/XX/XXXX in the amount of $X,XXX.XX which should be used. Reserves were short $X,XXX.XX. No exception in file. - Due Diligence Vendor-08/20/2025 | XXXX | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-09/24/2025<br>| XXXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5253134 | N/A | N/A |
| XXXX | XXXX | 85574 | XXXX | Closed | 2025-08-20 12:38 | 2025-09-24 11:42 | Waived | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Waived-Lender provided approved exception dated post consummation. All compensating factors have been reviewed and validated. Finding is non-material and will be graded B for all agencies. - Due Diligence Vendor-09/24/2025 <br> Ready for Review- - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. LD approval - Buyer-09/22/2025 <br> Counter-. - Due Diligence Vendor-09/22/2025 <br> Counter-The subject loan closed on XX/XX/XXXX. The asset balance as of XX/XX/XXXX will be accepted in the amount of $X,XXX.XX. There was a large Transfer deposit in the amount of $X,XXX.XX after the closing date which will not be allowed. Reserves are still short $X,XXX.XX. Exception would be required for Reserve shortage. - Due Diligence Vendor-09/22/2025 <br> Counter-. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. Please see attached asset stmt. Thanks - Seller-09/18/2025 <br> Counter-See page 201. Also will post to bulletin board. - Due Diligence Vendor-09/04/2025 <br> Ready for Review-We cannot find the document with the "updated balance dated XX/XX/XXXX" what document are you referring too? - Buyer-08/28/2025 <br> Open-Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is less than Total Required Reserve Amount of $X,XXX.XX Guidelines require 9 months reserves for subject plus 2% of financed REO balance which is $X,XXX.XX for total reserves $X,XXX.XX. Total verified assets available for reserves was $X,XXX.XX ($X,XXX.XX- cash to close $X,XXX.XX = $X,XXX.XX. Lender used qualifying asset total $X,XXX.XX, which was the balance on the XX/XX/XXXX bank statement for account #XXXX. However, there was an updated balance dated XX/XX/XXXX in the amount of $X,XXX.XX which should be used. Reserves were short $X,XXX.XX. No exception in file. - Due Diligence Vendor-08/20/2025 | XXXX | Waived-Lender provided approved exception dated post consummation. All compensating factors have been reviewed and validated. Finding is non-material and will be graded B for all agencies. - Due Diligence Vendor-09/24/2025 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is equal to or greater than Total Required Reserve Amount of $X,XXX.XX - Due Diligence Vendor-09/18/2025 | XXXX |  | 1. In file since XX/XX/XXXX, 35 trades reporting, 10 trades reported open, one dq reported back in XXXX, all other trades paid as agreed.<br> 2 DTI 17.4<br> 3 FICO 753 | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5252540 | Originator Post-Close | No |
| XXXX | XXXX | 85574 | XXXX | Closed | 2025-08-20 12:41 | 2025-09-24 11:41 | Waived | 2 - Non-Material | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Waived-Lender provided approved exception dated post consummation. All compensating factors have been reviewed and validated. Finding is non-material and will be graded B for all agencies. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. LD approval - Seller-09/22/2025 <br> Counter-. - Due Diligence Vendor-09/22/2025 <br> Counter-The subject loan closed on XX/XX/XXXX. The asset balance as of XX/XX/XXXX will be accepted in the amount of $X,XXX.XX. There was a large Transfer deposit in the amount of $X,XXX.XX after the closing date which will not be allowed. Reserves are still short $X,XXX.XX. Exception would be required for Reserve shortage. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. Please see attached asset stmt. Thanks - Seller-09/18/2025 <br> Counter-See page 201. Also will post to bulletin board. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-We cannot find the document with the "updated balance dated XX/XX/XXXX" what document are you referring too? - Seller-08/28/2025 <br> Open-Audited Assets of $X,XXX.XX are less than Guideline Required Assets of $X,XXX.XX. Guidelines require 9 months reserves for subject plus 2% of financed REO balance which is $X,XXX.XX for total reserves $X,XXX.XX. Total verified assets available for reserves was $X,XXX.XX ($X,XXX.XX - cash to close $X,XXX.XX =$X,XXX.XX). Lender used qualifying asset total $X,XXX.XX, which was the balance on the XX/XX/XXXX bank statement for account #XXX. However, there was an updated balance dated XX/XX/XXXX in the amount of $X,XXX.XX which should be used. Reserves were short $X,XXX.XX. No exception in file. - Due Diligence Vendor-08/20/2025 | XXXX | Waived-Lender provided approved exception dated post consummation. All compensating factors have been reviewed and validated. Finding is non-material and will be graded B for all agencies. - Due Diligence Vendor-09/24/2025<br>| XXXX |  | 1. In file since XX/XX/XXXX, 35 trades reporting, 10 trades reported open, one dq reported back in XXXX, all other trades paid as agreed.<br> 2 DTI 17.4<br> 3 FICO 753 | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5252610 | Originator Post-Close | No |
| XXXX | XXXX | 85574 | XXXX | Closed | 2025-08-20 13:28 | 2025-08-20 13:31 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/20/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/20/2025<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5253623 | Investor Post-Close | No |
| XXXX | XXXX | 85598 | XXXX | Closed | 2025-08-20 07:33 | 2025-09-17 13:17 | Waived | 2 - Non-Material | Credit | Missing Doc | Incomplete Mortgage/Deed of Trust | Waived-Lender provided an approved exception dated post consummation. No compensating factors were listed or required. Finding is downgraded and will be rated B for all agencies. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. Please see attached Exception Request Form - Buyer-09/17/2025 <br> Open-The Deed of Trust is Incomplete Borrower 2 & Borrower 3 did not sign the Mortgage. The XXXX Guidelines refer to the Jumbo Advantage Lending Guide for items not addressed. The Jumbo Advantage Lending Guides State Non-Occupant borrowers must always sign the Mortgage/Deed of Trust, with or without ownership interest in the property. - Due Diligence Vendor-08/20/2025 |  | Waived-Lender provided an approved exception dated post consummation. No compensating factors were listed or required. Finding is downgraded and will be rated B for all agencies. - Due Diligence Vendor-09/17/2025 | XXXX |  | 1. FICO 770 vs 660<br> 2. DTI 5% vs 50%<br> 3. Reserves 36 mos vs 6 required | XX | Primary Residence | Purchase | NA | 5245534 | Originator Post-Close | No |
| XXXX | XXXX | 85598 | XXXX | Closed | 2025-08-21 09:49 | 2025-08-21 10:22 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/21/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/21/2025 |  |  |  | XX | Primary Residence | Purchase | NA | 5264846 | Investor Post-Close | No |
| XXXX | XXXX | 85600 | XXXX | Closed | 2025-08-20 11:07 | 2025-09-22 13:23 | Waived | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Waived-Lender provided exception dated prior to consummation for 8 months reserves received. All compensating factors have been reviewed and validated. This finding is non-material and will be rated B for all agencies. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. updated approval - Buyer-09/22/2025 <br> Open-Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is less than Total Required Reserve Amount of $X,XXX.XX Guidelines required 12 months reserves for loan amount > $1,000,000. Lender provided approved exception dated prior to consummation to allow 9 months of reserves vs 12 months since only able to give credit for $X,XXX.XX in retirement account due to being investment property. However, 9 months of reserves total $X,XXX.XX (PITI $X,XXX.XX \* 9 = $X,XXX.XX) and the verified assets for reserves after closing funds is only $X,XXX.XX (total verified assets $X,XXX.XX-cash to close $X,XXX.XX-EMD $X,XXX.XX = $X,XXX.XX). The 9 month requirement is short $X,XXX.XX. Therefore, the exception is not considered valid. - Due Diligence Vendor-08/20/2025 |  | Waived-Lender provided exception dated prior to consummation for 8 months reserves received. All compensating factors have been reviewed and validated. This finding is non-material and will be rated B for all agencies. - Due Diligence Vendor-09/22/2025<br>| XXXX |  | Flawless credit<br> base income only used to qualify<br> $X,XXX.XX residual income | XX | Investment | Purchase | NA | 5250647 | Originator Pre-Close | Yes |
| XXXX | XXXX | 85550 | XXXX | Closed | 2025-09-12 14:47 | 2025-09-15 16:38 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-C/O attestation provided. Finding resolved. - Due Diligence Vendor-09/15/2025 <br>Ready for Review-Document Uploaded. Please see attached Written Attestation. - Buyer-09/15/2025 <br>Open-Missing the Written attestation from the borrower regarding the purpose of the cash out funds, as required by guidelines. - Due Diligence Vendor-09/12/2025 |  | Resolved-C/O attestation provided. Finding resolved. - Due Diligence Vendor-09/15/2025<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 5522168 | N/A | N/A |
| XXXX | XXXX | 85552 | XXXX | Closed | 2025-09-16 06:08 | 2025-09-19 14:35 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001261) | Resolved-COC provided for decrease in lender credit. Finding resolved. - Due Diligence Vendor-09/19/2025 <br> Open- - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. Please see attached COC - Buyer-09/19/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($X,XXX.XX). The actual total fee amount shows a credit amount of ($X,XXX.XX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Compliance will be re-reviewed upon receipt of the missing Loan Estimates. Additional conditions may apply. - Due Diligence Vendor-09/16/2025 <br> Open- - Due Diligence Vendor-09/16/2025 |  | Resolved-COC provided for decrease in lender credit. Finding resolved. - Due Diligence Vendor-09/19/2025<br>| XXXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5548526 | N/A | N/A |
| XXXX | XXXX | 85552 | XXXX | Closed | 2025-09-16 06:08 | 2025-09-19 14:34 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-COC provided for decrease in lender credit. Finding resolved. - Due Diligence Vendor-09/19/2025 <br> Open- - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. Please see attached COC - Buyer-09/19/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is $X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Compliance will be re-reviewed upon receipt of the missing Loan Estimates. Additional conditions may apply. - Due Diligence Vendor-09/16/2025 <br> Open- - Due Diligence Vendor-09/16/2025 |  | Resolved-COC provided for decrease in lender credit. Finding resolved. - Due Diligence Vendor-09/19/2025<br>| XXXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5548525 | N/A | N/A |
| XXXX | XXXX | 85552 | XXXX | Closed | 2025-09-18 08:00 | 2025-09-19 14:30 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Missing LE's provided. Finding resolved. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. Please see attached LEs - Seller-09/19/2025 <br> Open-Disclosure Tracking indicates that Interim Loan Estimates were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and correspond with COC's in file. However, all corresponding Interim Loan Estimate documents are currently missing from the file. Please provide all missing Loan Estimates. - Due Diligence Vendor-09/18/2025 | XXXX | Resolved-Missing LE's provided. Finding resolved. - Due Diligence Vendor-09/19/2025<br>| XXXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5582758 | N/A | N/A |
| XXXX | XXXX | 85552 | XXXX | Closed | 2025-09-16 07:19 | 2025-09-18 09:48 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/16/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/16/2025<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5549249 | Investor Post-Close | No |
| XXXX | XXXX | 85553 | XXXX | Closed | 2025-09-15 07:32 | 2025-09-15 08:08 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/15/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/15/2025<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5532678 | Investor Post-Close | No |
| XXXX | XXXX | 85555 | XXXX | Closed | 2025-09-15 10:02 | 2025-09-15 10:03 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/15/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-09/15/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 5535632 | Investor Post-Close | No |
| XXXX | XXXX | 85582 | XXXX | Closed | 2025-09-02 09:56 | 2025-09-16 14:27 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Agree, most recent credit doc is within 120 days allowed per guidelines. Finding resolved. - Due Diligence Vendor-09/16/2025 <br>Ready for Review-LD guidelines allow statements to be up to 120 days old. Please escalate to Michael for review. - Buyer-09/15/2025 <br>Counter-The most recent statement provided is more than 90 days old. Please provide a newer statement as these would not be the most recent, as required per the guidelines. - Due Diligence Vendor-09/10/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-09/09/2025 <br>Open-Guidelines require a pay statement covering the most recent 30 days earnings including YTD totals OR the most recent three consecutive months bank statements for the one-year 1099 Program. The bank statements in file are not legible. Please provide legible statements. Additional conditions may apply upon receipt. - Due Diligence Vendor-09/02/2025 |  | Resolved-Agree, most recent credit doc is within 120 days allowed per guidelines. Finding resolved. - Due Diligence Vendor-09/16/2025<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 5378641 | N/A | N/A |
| XXXX | XXXX | 85582 | XXXX | Closed | 2025-09-02 09:57 | 2025-09-10 08:55 | Resolved | 1 - Information | Credit | Missing Doc | Missing letter of explanation | Resolved-Attestation received. Finding resolved. - Due Diligence Vendor-09/10/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-09/09/2025 <br>Open-Guideline Matrix requires written attestation from the borrower regarding the purpose of the cash out funds. No written attestation was provided in file from the Borrower. - Due Diligence Vendor-09/02/2025 |  | Resolved-Attestation received. Finding resolved. - Due Diligence Vendor-09/10/2025<br>| XXXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 5378679 | N/A | N/A |

---

## Exhibit 99.09

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.09 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| XXXX | 85545 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.014 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Retired |  | No |  | No |  |
| XXXX | 85946 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.116 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 85546 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.616 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Employed |  | No |  | No |  |
| XXXX | 85547 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.456 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Employed | Employed | No | No | No |  |
| XXXX | 85548 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.513 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Employed | Employed | No | No | No |  |
| XXXX | 85549 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.894 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Employed |  | No |  | No |  |
| XXXX | 85550 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.814 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 85551 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.467 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Employed |  | No |  | No |  |
| XXXX | 85552 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.918 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 85947 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.238 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 85948 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.019 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 85949 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.815 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed | Employed | No | No | No |  |
| XXXX | 85950 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.778 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Retired | Retired | No | No | No |  |
| XXXX | 85951 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.984 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Retired | Retired | No | No | No |  |
| XXXX | 85553 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.444 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Employed |  | No |  | No |  |
| XXXX | 85952 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.253 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 85554 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.812 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Employed |  | No |  | No |  |
| XXXX | 85953 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.653 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed | Employed | No | No | No |  |
| XXXX | 85954 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.519 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 85955 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.642 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 85956 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.845 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Retired |  | No |  | No |  |
| XXXX | 85957 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.079 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 85555 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.945 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed | Employed | No | No | No |  |
| XXXX | 85556 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.035 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Employed | Employed | No | No | No |  |
| XXXX | 85558 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.081 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Employed | Employed | No | No | No |  |
| XXXX | 85559 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.144 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Retired | Retired | No | No | No |  |
| XXXX | 85958 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.688 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 85959 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.879 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 85560 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.188 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Employed |  | No |  | No |  |
| XXXX | 85562 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.064 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Employed | Employed | No | No | No |  |
| XXXX | 85565 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.905 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Employed | Employed | No | No | No |  |
| XXXX | 85566 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.986 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 85568 | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | 85571 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.119 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Employed |  | No |  | No |  |
| XXXX | 85960 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.65 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed | Employed | No | No | No |  |
| XXXX | 85961 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 9.867 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed | Retired | No | No | No |  |
| XXXX | 85574 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.802 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 85577 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 9.073 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Employed |  | No |  | No |  |
| XXXX | 85579 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.476 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | No | Employed | Employed | No | No | No |  |
| XXXX | 85580 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.695 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Retired | Employed | No | No | No |  |
| XXXX | 85581 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.387 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Employed | Employed | No | No | No |  |
| XXXX | 85582 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.396 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 85586 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.855 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Employed |  | No |  | No |  |
| XXXX | 85962 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.935 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Retired |  | No |  | No |  |
| XXXX | 85963 | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 85587 | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | 85590 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.245 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Retired | Retired | No | No | No |  |
| XXXX | 85591 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.793 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Employed | Employed | No | No | No |  |
| XXXX | 85965 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 10.052 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 85592 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.918 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Employed |  | No |  | No |  |
| XXXX | 85593 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.793 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Retired |  | No |  | No |  |
| XXXX | 85598 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.221 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed | Employed | No | No | No |  |
| XXXX | 85600 | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 85968 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.433 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 85969 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.058 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Not Employed | Employed | No | No | No |  |
| XXXX | 85971 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.455 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 85601 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.653 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Employed |  | No |  | No |  |
| XXXX | 85602 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.256 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Employed | Employed | No | No | No |  |
| XXXX | 85972 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.638 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed | Employed | No | No | No |  |
| XXXX | 85603 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.39 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Employed |  | No |  | No |  |
| XXXX | 85973 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.912 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 85977 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.662 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 85606 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.264 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Employed |  | No |  | No |  |
| XXXX | 85978 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.225 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 85980 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.016 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 85983 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.95 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 85616 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.449 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 85984 | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 85619 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.086 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 85986 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.204 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 85987 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.31 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 85620 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.389 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Employed | Employed | No | No | No |  |
| XXXX | 85988 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.642 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed | Employed | No | No | No |  |
| XXXX | 85989 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.283 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed | Retired | No | No | No |  |
| XXXX | 85622 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.335 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Employed |  | No |  | No |  |
| XXXX | 85991 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.829 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 85995 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.675 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 85997 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.359 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 85998 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.383 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed | Employed | No | No | No |  |
| XXXX | 85999 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.556 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 86003 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.205 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 86006 | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | Employed | No | No | Yes | Present |
| XXXX | 86007 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.627 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 86008 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.029 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed | Employed | No | No | No |  |
| XXXX | 86011 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.791 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed | Employed | No | No | No |  |
| XXXX | 86012 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.63 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 86013 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.956 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 86014 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.788 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 86015 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.924 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 86017 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.061 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 86018 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.547 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Employed |  | No |  | No |  |
| XXXX | 86020 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.908 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Not Employed | Not Employed | No | No | No |  |
| XXXX | 86025 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.658 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed | Employed | No | No | No |  |
| XXXX | 86026 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.258 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 86027 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.821 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed | Employed | No | No | No |  |
| XXXX | 86030 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.951 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |
| XXXX | 86034 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.271 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.09

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.09 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 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 | 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** | **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** | **# 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** |
| XXXX | 85946 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.890% | Manual Underwriting | Manual Underwriting | No | 7.116% |  | 6.625% | 6.625% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 16.51% | 16.51% | 16.51% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 682 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 11.5 | $X,XXX.XX | 11.5 | No | 38.55 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85546 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.890% | Manual Underwriting | Manual Underwriting | No | 6.616% |  | 6.500% | 6.500% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 54.90% | 54.90% | 54.90% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 32 | 32 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 66.5 | $X,XXX.XX | 66.5 | No | 52.38 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85550 | XXXX | Advantage Flex ARM 5/6 SOFR 2/1/5 12 BK Stmnt | Advantage Flex ARM 5/6 SOFR 2/1/5 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.790% | Manual Underwriting | Manual Underwriting | No | 7.814% |  | 7.875% | 7.500% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 18.74% | 19.19% | 18.74% | 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 |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | $X,XXX.XX | 112.3 | No | 52.63 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85552 | XXXX | Jumbo Advantage IO ARM 1 Month SOFR 2/1/5 | Jumbo Advantage IO ARM 1 Month SOFR 2/1/5 | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 7.220% | Manual Underwriting | Manual Underwriting | No | 6.918% |  | 6.951% | 6.951% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 34.99% | 34.39% | 27.08% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | 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 |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | $X,XXX.XX | 56.4 | $X,XXX.XX | 56.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85947 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.770% | Manual Underwriting | Manual Underwriting | No | 8.238% |  | 7.875% | 7.875% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 49.33% | 49.34% | 49.34% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 678 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 6.6 | $X,XXX.XX | 6.6 | No | 67.44 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85948 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.019% |  | 6.625% | 6.625% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 49.98% | 49.98% | 49.98% | 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 |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 15 | $X,XXX.XX | 15 | No | 51.28 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85949 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 6.815% |  | 6.750% | 6.750% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 28.69% | 28.68% | 28.68% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 1 | 2 | 1 | 2 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 50.00% | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds | Borrower Prepared | 7 | Borrower | Borrower Prepared | Borrower | 7 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, SEPartnership, SESCorp, 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), SESCorp - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, 1065), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower - SEPartnership, SEPartnership, SESCorp - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, 1065), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2023 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, 1065), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, 1065), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 61.2 | $X,XXX.XX | 61.2 | No | 78.56 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85950 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.670% | Manual Underwriting | Manual Underwriting | No | 7.778% |  | 7.625% | 7.625% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 48.38% | 46.86% | 46.86% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | Full Doc | 2 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Retirement, SSI and Disability, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - 2023, 2024, 2025 \|\| Co Borrower - SSI and Disability - 3 YRS Executed 4506T Verified, Award Letter Verified - 2025 - 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2025 - 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 11.5 | $X,XXX.XX | 11.5 | No | 42.56 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85951 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 6.984% |  | 6.500% | 6.500% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | Yes | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 49.62% | 49.87% | 49.87% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | Full Doc | 2 | 1 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 2 | 2 | NA | 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 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SSI and Disability, Retirement - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - SSI and Disability - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | $X,XXX.XX | 7.3 | No | 44.78 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85553 | XXXX | Advantage Flex ARM 5/6 SOFR 2/1/5 | Advantage Flex ARM 5/6 SOFR 2/1/5 | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.770% | Manual Underwriting | Manual Underwriting | No | 7.444% |  | 7.750% | 6.875% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 50.10% | 53.49% | 50.10% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, Separation Agreement Verified - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 12.3 | $X,XXX.XX | 12.3 | No | 65.87 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85952 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.790% | Manual Underwriting | Manual Underwriting | No | 7.253% |  | 6.750% | 6.750% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 28.34% | 28.34% | 28.34% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 12.4 | $X,XXX.XX | 12.4 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85953 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.790% | Manual Underwriting | Manual Underwriting | No | 6.653% |  | 6.625% | 6.625% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 37.19% | 37.19% | 37.19% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 1 | 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds,Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 11 | 11 | Work Number | Yes | 52 | 30 | Work Number | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - Wage, Overtime and Bonus, Other - 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - Executed 4506T Verified - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | 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 | $X,XXX.XX | 7.4 | $X,XXX.XX | 7.4 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85954 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 6.519% |  | 6.500% | 6.500% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 17.85% | 17.85% | 17.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Missing | 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), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 65.2 | $X,XXX.XX | 65.2 | No | 65.74 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX | XXXX |  |  |  |
| XXXX | 85955 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 6.642% |  | 6.500% | 6.500% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 44.08% | 44.08% | 44.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 802 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 9 | $X,XXX.XX | 9 | No | 47.76 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85956 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 6.845% |  | 6.375% | 6.375% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 42.10% | 42.10% | 42.10% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Other - Executed 4506T Verified, Award Letter Verified - 2025 - 2025 | Borrower - Executed 4506T Verified - 2025 - 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 828 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | I-151 Permanent Resident Card |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | $X,XXX.XX | 8.3 | No | 52.54 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85957 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.630% | Manual Underwriting | Manual Underwriting | No | 7.079% |  | 6.875% | 6.875% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 39.53% | 39.53% | 39.53% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | $X,XXX.XX | 98.6 | No | 43.29 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85555 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 6.945% |  | 6.875% | 6.875% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 8.14% | 8.14% | 8.14% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 92.16% | 100.00% | 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 - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 27 | $X,XXX.XX | 27 | No | 70 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85958 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.630% | Manual Underwriting | Manual Underwriting | No | 7.688% |  | 7.625% | 7.625% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 35.85% | 35.85% | 35.85% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 11.7 | $X,XXX.XX | 11.7 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85959 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.630% | Manual Underwriting | Manual Underwriting | No | 6.879% |  | 6.625% | 6.625% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Annually | 49.95% | 49.95% | 49.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | Employment Authorization Document (I-821D) |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 23.5 | $X,XXX.XX | 23.5 | No | 59.32 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85960 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.630% | Manual Underwriting | Manual Underwriting | No | 6.650% |  | 6.625% | 6.625% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 42.22% | 42.18% | 42.18% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 0 | 0 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), IRS Transcripts Verified - 2024, 2023 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), IRS Transcripts Verified - 2024, 2023 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, IRS Transcripts Verified | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 18.6 | $X,XXX.XX | 18.6 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85961 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 9.867% |  | 9.625% | 9.625% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 49.67% | 49.67% | 49.67% | No | No |  |  |  |  |  |  | Self-Employed | Retired |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | Yes | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 90.72% | 100.00% | 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 - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SSI and Disability - 3 YRS Executed 4506T Verified, Award Letter Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Illinois Identification Card - Lifetime | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 30.6 | $X,XXX.XX | 30.6 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85574 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.890% | Manual Underwriting | Manual Underwriting | No | 7.802% |  | 7.750% | 7.750% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 17.43% | 17.43% | 17.43% | 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 |  |  | 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 - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 13.3 | $X,XXX.XX | 13.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85582 | XXXX | Advantage FLEX Fixed 30 Year 1 YR 1099 | Advantage FLEX Fixed 30 Year 1 YR 1099 | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.830% | Manual Underwriting | Manual Underwriting | No | 7.396% |  | 7.250% | 7.250% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 25.38% | 25.38% | 25.38% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified - ["2024"] - 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2024"] - 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 4.2 | $X,XXX.XX | 81.7 | No | 48.28 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85962 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 6.935% |  | 6.875% | 6.875% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 54.07% | 54.10% | 54.10% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 1 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Other, Other, Other - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified - 2025 - 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - 2025 - 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 9.8 | $X,XXX.XX | 9.8 | No | 68.81 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85963 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 7.625% | 7.625% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 28.93% | 28.93% | 28.93% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 56.2 | $X,XXX.XX | 56.2 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85965 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.770% | Manual Underwriting | Manual Underwriting | No | 10.052% |  | 9.625% | 9.625% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 47.39% | 47.39% | 47.39% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 668 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | I-151 Permanent Resident Card |  | XX/XX/XXXX | 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 | $X,XXX.XX | 14.1 | $X,XXX.XX | 14.1 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85598 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.670% | Manual Underwriting | Manual Underwriting | No | 7.221% |  | 7.125% | 7.125% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 4.10% | 4.10% | 4.10% | No | Yes | 4 - Verified 2+ Mos |  | 3 - Stated, Partially Verified |  | 3 - Stated, 3rd Party Verification |  | Employed | Self-Employed | Self-Employed |  | 24.35 |  | 12 Month Bank Statement | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 99.12% | 0.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 \|\| Co Borrower 2 - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 \|\| Co Borrower 2 - 3 YRS Executed 4506T Verified - 2025, 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | 770 | 803 | 782 | 788 |  |  |  | 788 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 36.2 | $X,XXX.XX | 36.2 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | Borrower As Individual | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85600 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 7.625% | 7.625% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 21.51% | 21.51% | 21.51% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 8.9 | $X,XXX.XX | 8.9 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85968 | XXXX | Advantage FLEX Fixed 30 Year 12 BK Stmnt | Advantage FLEX Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.610% | Manual Underwriting | Manual Underwriting | No | 7.433% |  | 7.125% | 7.125% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | Yes | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 23.07% | 23.07% | 23.07% | 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 |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 7.9 | $X,XXX.XX | 7.9 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85969 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.058% |  | 6.750% | 6.750% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | Yes | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 19.93% | 19.93% | 19.93% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% | 0.00% | 100.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified \|\| Co Borrower - SESCorp - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 63.6 | $X,XXX.XX | 63.6 | No | 80 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85971 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.455% |  | 7.250% | 7.250% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 4.86% | 4.86% | 4.86% | 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 |  |  | 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), 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) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 12.2 | $X,XXX.XX | 12.2 | No | 69.23 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85973 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.670% | Manual Underwriting | Manual Underwriting | No | 6.912% |  | 6.875% | 6.875% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 38.59% | 38.59% | 38.59% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 142 | 22 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 16.9 | $X,XXX.XX | 16.9 | No | 73.19 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85977 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.670% | Manual Underwriting | Manual Underwriting | No | 6.662% |  | 6.125% | 6.125% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | Yes | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Annually | 12.95% | 12.95% | 12.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 21.4 | $X,XXX.XX | 21.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85978 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 8.225% |  | 7.875% | 7.875% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | Yes | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 19.33% | 19.33% | 19.33% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Missing | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 22.5 | $X,XXX.XX | 22.5 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85980 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 6.016% |  | 5.875% | 5.875% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | Yes | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Annually | 16.06% | 16.06% | 16.06% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 775 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX | United States of America | XX/XX/XXXX | N/A |  | XX/XX/XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | I-151 Permanent Resident Card |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 37.5 | $X,XXX.XX | 37.5 | No | 50 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85983 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 6.950% |  | 6.875% | 6.875% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 49.21% | 49.21% | 49.21% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 36 | 36 | Work Number |  |  | 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, 1 YR IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 79.2 | $X,XXX.XX | 79.2 | No | 73.38 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85984 | XXXX | Advantage FLEX Fixed 30 Year 1 YR 1099 | Advantage FLEX Fixed 30 Year 1 YR 1099 | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 7.750% | 7.750% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | Yes | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 44.49% | 43.92% | 43.92% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 81.1 | $X,XXX.XX | 81.1 | No | 80 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX | XXXX |  |  |  |
| XXXX | 85986 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.204% |  | 7.125% | 7.125% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 16.62% | 16.62% | 16.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 48.2 | $X,XXX.XX | 48.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85987 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 8.310% |  | 8.125% | 8.125% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 47.62% | 47.62% | 47.62% | 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% |  | Proceeds from Sale | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 7.5 | $X,XXX.XX | 7.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85988 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 6.642% |  | 6.125% | 6.125% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 37.16% | 37.16% | 37.16% | No | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 85.11% | 50.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 12 | $X,XXX.XX | 8.8 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85989 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.283% |  | 7.125% | 7.125% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 21.89% | 21.98% | 21.98% | Yes | Yes |  |  |  |  |  |  | Employed | Retired |  |  |  |  | Full Doc | 2 | 2 | 2+ Months | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 1 | 2 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Retirement, SSI and Disability - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2025, 2024, 2023 \|\| Co Borrower - SSI and Disability - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2024 - 2024 | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS IRS Transcripts Verified - 2024 - 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | 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 | $X,XXX.XX | 16.9 | $X,XXX.XX | 16.9 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85991 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 6.829% |  | 6.750% | 6.750% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 32.19% | 32.40% | 32.40% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 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 | 36 | 36 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 20.8 | $X,XXX.XX | 20.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85995 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 6.675% |  | 6.625% | 6.625% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | Yes | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 46.34% | 45.04% | 45.04% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 278 | 31 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Commission, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 808 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | 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 | $X,XXX.XX | 38.4 | $X,XXX.XX | 38.4 | No | 67.52 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85997 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.359% |  | 7.250% | 7.250% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Annually | 23.98% | 23.98% | 23.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 33.5 | $X,XXX.XX | 33.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85998 | XXXX | Advantage Flex ARM 5/6 SOFR 2/1/5 12 BK Stmnt | Advantage Flex ARM 5/6 SOFR 2/1/5 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.770% | Manual Underwriting | Manual Underwriting | No | 8.383% |  | 8.625% | 8.625% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 49.79% | 49.80% | 49.80% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | Yes | Yes | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 74.52% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, SSI and Disability, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SESoleProprietor, SSI and Disability - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 807 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | $X,XXX.XX | 23.8 | $X,XXX.XX | 23.8 | No | 89.99 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85999 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 8.556% |  | 8.250% | 8.250% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 14.29% | 14.29% | 14.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 668 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 26.4 | $X,XXX.XX | 26.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 86003 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 8.205% |  | 8.125% | 8.125% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | Yes | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Annually | 16.76% | 16.76% | 16.76% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 41.9 | $X,XXX.XX | 41.9 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 86006 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 7.875% | 7.875% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 44.32% | 44.64% | 44.64% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 1 | NA | 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 | 58 | 31 | Work Number | Yes | 30 | 30 | Work Number | No | 0 |  |  | Borrower - Wage, 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, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | 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 | $X,XXX.XX | 11.6 | $X,XXX.XX | 11.6 | No | 80 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 86007 | XXXX | Advantage FLEX Fixed 30 Year 1 YR 1099 | Advantage FLEX Fixed 30 Year 1 YR 1099 | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 6.627% |  | 6.125% | 6.125% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | Yes | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 37.56% | 37.59% | 37.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR W2 1099 Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2024"] - 2024 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - ["2024"] - 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 79.2 | $X,XXX.XX | 79.2 | No | 51.72 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 86008 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.029% |  | 6.875% | 6.875% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 12.56% | 12.55% | 12.55% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 \|\| Co Borrower - SESCorp - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | 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 | $X,XXX.XX | 15 | $X,XXX.XX | 15 | No | 49.58 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 86011 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 6.791% |  | 6.750% | 6.750% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Annually | 32.70% | 32.70% | 32.70% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | Less than 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 285 | 31 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | 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 | $X,XXX.XX | 86.3 | $X,XXX.XX | 86.3 | No | 66.67 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 86012 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 6.630% |  | 6.500% | 6.500% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Annually | 23.39% | 23.39% | 23.39% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 12.1 | $X,XXX.XX | 12.1 | No | 56.82 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 86013 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 6.956% |  | 6.875% | 6.875% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 26.28% | 26.28% | 26.28% | 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% | 50.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 810 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 24.4 | $X,XXX.XX | 24.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 86014 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 6.788% |  | 6.750% | 6.750% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 7.68% | 7.68% | 7.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 28.6 | $X,XXX.XX | 28.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 86015 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 6.924% |  | 6.875% | 6.875% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 40.93% | 40.93% | 40.93% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 1 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 64 | 31 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 29.2 | $X,XXX.XX | 29.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 86017 | XXXX | Advantage FLEX Fixed 30 Year 1 YR 1099 | Advantage FLEX Fixed 30 Year 1 YR 1099 | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 8.061% |  | 8.000% | 8.000% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 38.54% | 35.41% | 35.41% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | W2/1099 Verified | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 22.7 | $X,XXX.XX | 22.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 86018 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 6.547% |  | 6.500% | 6.500% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 53.58% | 53.58% | 53.58% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 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 |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | I-151 Permanent Resident Card |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 66.5 | $X,XXX.XX | 66.5 | No | 55 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 86020 | XXXX | Advantage Flex IO Fixed 30 Year Asset Util | Advantage Flex IO Fixed 30 Year Asset Util | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 6.908% |  | 6.875% | 6.875% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 54.26% | 62.69% | 54.26% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 120 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | I-151 Permanent Resident Card |  | XX/XX/XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | I-551 Permanent Resident Card |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 7.8 | $X,XXX.XX | 7.8 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX | XXXX | XXXX |  |  |
| XXXX | 86025 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.630% | Manual Underwriting | Manual Underwriting | No | 6.658% |  | 6.500% | 6.500% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | Yes | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 23.41% | 24.26% | 24.26% | Yes | Yes |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 1 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 100.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS W2 1099 Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2022, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2022, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 299.7 | $X,XXX.XX | 299.7 | No | 70 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 86026 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.610% | Manual Underwriting | Manual Underwriting | No | 7.258% |  | 7.125% | 7.125% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 37.71% | 37.71% | 37.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 0.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | 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 |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 38.1 | $X,XXX.XX | 38.1 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 86027 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.630% | Manual Underwriting | Manual Underwriting | No | 6.821% |  | 6.750% | 6.750% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Annually | 19.24% | 19.24% | 19.24% | No | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 35.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien |  | N/A | Employment Authorization Card |  | XX | United States | XX/XX/XXXX |  |  | Employment Authorization Document (I-821D) |  | XX/XX/XXXX | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Employment Authorization Card |  |  | United States | XX/XX/XXXX | Turkey | XX/XX/XXXX | I-551 Stamp and Passport |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 49.9 | $X,XXX.XX | 49.9 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 86030 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.610% | Manual Underwriting | Manual Underwriting | No | 8.951% |  | 8.750% | 8.750% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 49.94% | 49.94% | 49.94% | 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 |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, 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) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 33.6 | $X,XXX.XX | 33.6 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 86034 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.610% | Manual Underwriting | Manual Underwriting | No | 8.271% |  | 8.250% | 8.250% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 24.85% | 24.85% | 24.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 16.5 | $X,XXX.XX | 16.5 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85972 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 6.638% |  | 6.625% | 6.625% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 20.91% | 20.91% | 20.91% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 0.00% | 45.00% | 55.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SEPartnership - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | 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 | $X,XXX.XX | 9.2 | $X,XXX.XX | 20.2 | No | 54.55 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85545 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.930% | Manual Underwriting | Manual Underwriting | No | 7.014% |  | 6.875% | 6.875% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 49.40% | 49.40% | 49.40% | Yes |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Retirement, Retirement - 2 YRS Executed 4506T Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 69.4 | $X,XXX.XX | 69.4 | No | 63.22 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85547 | XXXX | Jumbo Advantage IO ARM 1 Month SOFR 2/1/5 | Jumbo Advantage IO ARM 1 Month SOFR 2/1/5 | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 7.250% | Manual Underwriting | Manual Underwriting | No | 6.456% |  | 6.553% | 6.553% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 35.69% | 37.88% | 35.69% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 2+ Months | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | Yes | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 107 | 30 | Other | Yes | 76 | 29 | Other | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Commission, Other, Military and Government Assistance - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | $X,XXX.XX | 32.9 | $X,XXX.XX | 32.9 | No | 64.15 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85548 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.830% | Manual Underwriting | Manual Underwriting | No | 6.513% |  | 6.375% | 6.375% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 53.46% | 53.46% | 53.46% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | 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 | 114 | 30 | Other | Yes | 97 | 30 | Work Number | No | 0 |  |  | Borrower - Wage, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 10.2 | $X,XXX.XX | 10.2 | No | 74.76 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85549 | XXXX | Jumbo Advantage IO ARM 1 Month SOFR 2/1/5 | Jumbo Advantage IO ARM 1 Month SOFR 2/1/5 | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 7.240% | Manual Underwriting | Manual Underwriting | No | 6.894% |  | 6.933% | 6.933% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | Yes | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 30.06% | 37.66% | 30.06% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 100.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 45 | 30 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | $X,XXX.XX | 21 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85551 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.830% | Manual Underwriting | Manual Underwriting | No | 7.467% |  | 7.375% | 7.375% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Annually | 42.25% | 42.25% | 42.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Missing | 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 - Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | I-151 Permanent Resident Card |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | $X,XXX.XX | 95.4 | No | 44.74 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85554 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.790% | Manual Underwriting | Manual Underwriting | No | 7.812% |  | 7.625% | 7.625% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | Yes | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 47.38% | 47.38% | 47.38% | 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% | 98.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 679 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | 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 | $X,XXX.XX | 44.5 | No | 65 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85556 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.035% |  | 6.750% | 6.750% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | Yes | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 49.18% | 49.35% | 49.35% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | Yes | Yes | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | N/A | 0 | 12 | 76.12% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, SSI and Disability - 3 YRS Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified - 2025, 2024 \|\| Co Borrower - SEPartnership, SSI and Disability - 3 YRS Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 29 | $X,XXX.XX | 29 | No | 80 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85558 | XXXX | Advantage FLEX Fixed 30 Year 1 YR 1099 | Advantage FLEX Fixed 30 Year 1 YR 1099 | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.081% |  | 7.000% | 7.000% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 44.70% | 44.69% | 44.69% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | Full Doc | 1 | 2 | Less than 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Borrower Prepared | 5 | Borrower | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - YTD Profit And Loss Verified, 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | 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 | $X,XXX.XX | 40.4 | $X,XXX.XX | 40.4 | No | 69.23 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85559 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.870% | Manual Underwriting | Manual Underwriting | No | 7.144% |  | 6.625% | 6.625% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | Yes | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 49.71% | 49.71% | 49.71% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SSI and Disability - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2025 - 2025 \|\| Co Borrower - SSI and Disability - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2025 - 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025 - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025 - 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 10.1 | $X,XXX.XX | 10.2 | No | 65.47 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85560 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 8.188% |  | 7.875% | 7.875% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | Yes | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 37.83% | 37.83% | 37.83% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 17.6 | $X,XXX.XX | 17.6 | No | 80 | No | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85562 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.930% | Manual Underwriting | Manual Underwriting | No | 7.064% |  | 7.000% | 7.000% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | Yes | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 54.29% | 54.29% | 54.29% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 83.96% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 15.8 | $X,XXX.XX | 15.8 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85565 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 6.905% |  | 6.875% | 6.875% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 44.87% | 44.87% | 44.87% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 180 | 29 | Work Number | Yes | 5 | 5 | Work Number | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | 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 | $X,XXX.XX | 50.4 | $X,XXX.XX | 50.4 | No | 70.37 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85566 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 6.986% |  | 6.875% | 6.875% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 45.27% | 45.32% | 45.32% | Yes | Yes |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 42 | 29 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Commission, Other, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Executed 4506T Verified, IRS Transcripts Verified | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Executed 4506T Verified, IRS Transcripts Verified | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | 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 | $X,XXX.XX | 48.7 | $X,XXX.XX | 48.7 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85568 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.920% | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 7.375% | 7.375% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | Yes | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 31.42% | 35.83% | 35.83% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | Full Doc | 0 | 2 | NA | NA | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 49.00% | 100.00% |  | Borrower Prepared | 18 | Borrower | Borrower Prepared | Borrower | 18 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2022 \|\| Co Borrower - SESCorp, SESCorp, SEPartnership, SEPartnership - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2022 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2022 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2022 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 133 | $X,XXX.XX | 133 | No | 76.93 | Yes | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85571 | XXXX | Advantage Flex Fixed 30 Year 12 Bk Stmnt | Advantage Flex Fixed 30 Year 12 Bk Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.790% | Manual Underwriting | Manual Underwriting | No | 8.119% |  | 7.875% | 7.875% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 6.74% | 6.74% | 6.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Missing | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2025 - 2025 | Borrower - Executed 4506T Verified - 2025 - 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 13.1 | $X,XXX.XX | 13.1 | No | 78.83 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85577 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 9.073% |  | 8.875% | 8.875% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 44.73% | 44.73% | 44.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Missing | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - , SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 18.9 | $X,XXX.XX | 18.9 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85579 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.830% | Manual Underwriting | Manual Underwriting | No | 7.476% |  | 7.250% | 7.250% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 19.97% | 19.97% | 19.97% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 677 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 2.8 | $X,XXX.XX | 12.7 | No | 49.21 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85580 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 6.695% |  | 6.625% | 6.625% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 42.50% | 42.45% | 42.45% | No | No |  |  |  |  |  |  | Retired | Employed |  |  |  |  | Full Doc | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 2 | Yes | 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 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, Other - Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2025 - 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025 - 2025 \|\| Co Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | 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 | $X,XXX.XX | 8.5 | $X,XXX.XX | 8.5 | No | 48.19 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85581 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.670% | Manual Underwriting | Manual Underwriting | No | 7.387% |  | 7.375% | 7.375% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 39.10% | 39.10% | 39.10% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 95.94% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 \|\| Co Borrower - Wage - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - Executed 4506T Verified - 2025, 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | 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 | $X,XXX.XX | 10.8 | $X,XXX.XX | 10.8 | No | 74.58 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX | XXXX | XXXX |  |  |
| XXXX | 85586 | XXXX | Advantage FLEX ARM 7/6 SOFR 5/1/5 | Advantage FLEX ARM 7/6 SOFR 5/1/5 | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.550% | Manual Underwriting | Manual Underwriting | No | 6.855% |  | 7.250% | 7.750% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | Yes | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Annually | 29.31% | 29.31% | 29.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 2 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 51.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, K1), Balance Sheet Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | $X,XXX.XX | 15 | $X,XXX.XX | 15 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85587 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 6.875% | 6.875% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | Yes | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 28.07% | 28.07% | 28.07% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 1 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 50 | 30 | Work Number | Yes | 48 | 30 | Work Number | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2025, 2024, 2023 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2025, 2024, 2023 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 33.9 | $X,XXX.XX | 33.9 | No | 80 | Yes | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85590 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.770% | Manual Underwriting | Manual Underwriting | No | 6.245% |  | 5.875% | 5.875% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 54.89% | 54.89% | 54.89% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | Full Doc | 0 | 1 | NA | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 1 | 1 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability, Retirement, Retirement, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified, Lease Agreements Verified, 1040 Schedule E Verified - 2024 - 2024 \|\| Co Borrower - SSI and Disability, Retirement - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified, 1040 Schedule E Verified - 2024 - 2024 | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - 2024 - 2024 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - 2024 - 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 806 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  |  | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 34.9 | $X,XXX.XX | 34.9 | No | 63.65 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85591 | XXXX | Advantage FLEX Fixed 30 Year 1 YR 1099 | Advantage FLEX Fixed 30 Year 1 YR 1099 | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.793% |  | 7.625% | 7.625% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Annually | 45.53% | 45.55% | 45.55% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 1 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 24 | 29 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Other - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 664 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 61.3 | $X,XXX.XX | 61.3 | No | 60 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85592 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 6.918% |  | 6.500% | 6.500% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 41.43% | 37.37% | 37.37% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 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 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 27.5 | $X,XXX.XX | 27.5 | No | 65.22 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85593 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.770% | Manual Underwriting | Manual Underwriting | No | 6.793% |  | 6.625% | 6.625% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | Yes | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 47.48% | 47.48% | 47.48% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 3 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SSI and Disability, Retirement, 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) - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Award Letter Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, 1040 Schedule E Verified | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 58.7 | $X,XXX.XX | 58.7 | No | 58.51 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85601 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 7.653% |  | 7.375% | 7.375% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 4.92% | 4.91% | 4.91% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Missing | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 23 | $X,XXX.XX | 23 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85602 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.670% | Manual Underwriting | Manual Underwriting | No | 7.256% |  | 7.125% | 7.125% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | Yes | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Annually | 23.26% | 23.26% | 23.26% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | 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 | 257 | 31 | Work Number | Yes | 16 | 16 | FNMA 1005 | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 807 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  |  | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 11.5 | $X,XXX.XX | 11.5 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85603 | XXXX | Advantage FLEX Fixed 30 Year 12 BK Stmnt | Advantage FLEX Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 7.390% |  | 7.250% | 7.250% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 39.45% | 25.80% | 25.80% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Missing | 0 | 12 | No |  |  |  | 0.00% | 50.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 15.9 | $X,XXX.XX | 15.9 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85606 | XXXX | Advantage Flex ARM 10/6 SOFR 5/1/5 12 BK Stmnt | Advantage Flex ARM 10/6 SOFR 5/1/5 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.560% | Manual Underwriting | Manual Underwriting | No | 7.264% |  | 7.000% | 7.000% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | Yes | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 45.14% | 46.88% | 46.88% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | $X,XXX.XX | 21.1 | $X,XXX.XX | 21.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85616 | XXXX | Advantage Flex IO Fixed 30 Year Asset Util | Advantage Flex IO Fixed 30 Year Asset Util | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.790% | Manual Underwriting | Manual Underwriting | No | 7.449% |  | 7.375% | 7.375% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | Yes | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 74.45% | 83.47% | 75.27% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Asset Depletion – Total Asset Calculation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | Yes | No | 120 | 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 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | 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 | $X,XXX.XX | 2.7 | $X,XXX.XX | 2.7 | No | 76.88 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX | XXXX | XXXX |  |  |
| XXXX | 85619 | XXXX | Advantage Flex Fixed 30 Year | Advantage Flex Fixed 30 Year | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 7.086% |  | 7.000% | 7.000% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Monthly | 34.32% | 34.32% | 34.32% | Yes | Yes |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Full Doc | 2 | 0 | Less than 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 341 | 31 | Other | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 229.4 | $X,XXX.XX | 229.4 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85620 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 7.389% |  | 7.250% | 7.250% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | Yes | XXXX | XX | $X,XXX.XX | XX/XX/XXXX | Annually | 4.64% | 4.64% | 4.64% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Missing | 0 | 12 | Yes | Missing | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp - 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - SESCorp - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal Use |  |  | United States | XX/XX/XXXX |  |  | I-151 Permanent Resident Card |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 43.1 | $X,XXX.XX | 43.1 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| XXXX | 85622 | XXXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | Advantage Flex Fixed 30 Year 12 BK Stmnt | XXXX | No | XXXX | XXXX | XX/XX/XXXX | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.790% | Manual Underwriting | Manual Underwriting | No | 7.335% |  | 7.250% | 7.250% | $X,XXX.XX | No | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | N/A |  |  | $0.00 |  |  | 24.34% | 24.27% | 24.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXX XXXX XX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | $X,XXX.XX | 98.9 | $X,XXX.XX | 98.9 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |

---

## Exhibit 99.09

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.09 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXX | 85568 | XXXX | XXX | Advantage Flex Fixed 30 Year | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | $X,XXX.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.8 | 1 | 1 | N/A | 132.99 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX | 85587 | XXXX | XXX | Advantage Flex Fixed 30 Year | Full Doc | N/A |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | $X,XXX.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 33.91 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX | 85984 | XXXX | XXX | Advantage FLEX Fixed 30 Year 1 YR 1099 | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | $X,XXX.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 81.05 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX | 85600 | XXXX | XXX | Advantage Flex Fixed 30 Year | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | $X,XXX.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 8.91 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX | 85963 | XXXX | XXX | Advantage Flex Fixed 30 Year 12 BK Stmnt | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | $X,XXX.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 56.15 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX | 86006 | XXXX | XXX | Advantage Flex Fixed 30 Year | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | $X,XXX.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 11.6 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |

---

## Exhibit 99.09

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.09 - Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraisal Type** | **Primary Appraised Value** | **Value for LTV** | **LTV** | **CLTV** | **Primary Appraisal Date** | **Loan Reviewed Product Type** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **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** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Loan Collateral Advisor Risk Score Date** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Collateral Underwriter Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX | 85545 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 38.55 | 38.55 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX |  | XX.XX% | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 4.1 |
| XXXX | 85946 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 67.44 | 67.44 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | XX.XX% | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 3.9 |
| XXXX | 85546 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 51.28 | 51.28 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | XX.XX% | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2.9 |
| XXXX | 85547 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 78.56 | 78.56 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.9 |
| XXXX | 85548 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 42.56 | 42.56 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 85549 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1073 Individual Condo Report | $X,XXX.XX | $X,XXX.XX | 44.78 | 44.78 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.8 |
| XXXX | 85550 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 75.0 | 75.0 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX |  | XX.XX% | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 85551 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | XX.XX% | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 85552 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 65.74 | 65.74 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.8 |
| XXXX | 85947 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 47.76 | 47.76 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | XX.XX% | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 3.2 |
| XXXX | 85948 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 52.54 | 52.54 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 85949 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 43.29 | 43.29 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 85950 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.8 |
| XXXX | 85951 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 59.32 | 59.32 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.1 |
| XXXX | 85553 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | XX.XX% | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.5 |
| XXXX | 85952 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 90.0 | 90.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.8 |
| XXXX | 85554 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 68.81 | 68.81 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.4 |
| XXXX | 85953 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.1 |
| XXXX | 85954 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 85955 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 85956 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1073 Individual Condo Report | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 85957 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 69.23 | 69.23 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX |  | XX.XX% | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 3.6 |
| XXXX | 85555 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 54.55 | 54.55 | XX/XX/XXXX |  |  |  |  |  |  |  |  | $X,XXX.XX | $500000 | XX.XX% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 85556 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 73.19 | 73.19 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX |  | XX.XX% | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2.6 |
| XXXX | 85558 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 85559 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 85.0 | 85.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 85958 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 50.0 | 50.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 85959 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 73.38 | 73.38 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 85560 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1073 Individual Condo Report | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2.1 |
| XXXX | 85562 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | XX.XX% | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2.6 |
| XXXX | 85565 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 85566 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 85568 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2.5 |
| XXXX | 85571 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.1 |
| XXXX | 85960 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 67.52 | 67.52 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2.2 |
| XXXX | 85961 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 85574 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 89.99 | 89.99 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 85577 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.4 |
| XXXX | 85579 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 85.0 | 85.0 | XX/XX/XXXX | Desk Review | $X,XXX.XX | -2000 | XX.XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | XX.XX% | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2.6 |
| XXXX | 85580 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1025 Small Residential Income Report | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 1000 | XX.XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX |  | XX.XX% | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 85581 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 51.72 | 51.72 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 85582 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 49.58 | 49.58 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX |  | XX.XX% | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 3 |
| XXXX | 85586 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 66.67 | 66.67 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | XX.XX% | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 4.8 |
| XXXX | 85962 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 56.82 | 56.82 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX |  | XX.XX% | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2.6 |
| XXXX | 85963 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.2 |
| XXXX | 85587 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.8 |
| XXXX | 85590 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX |  |  |  |  |  |  |  |  | $X,XXX.XX | $0 | XX.XX% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 85591 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX |  | XX.XX% | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2.9 |
| XXXX | 85965 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 55.0 | 55.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 85592 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 85593 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 70.0 | 70.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.4 |
| XXXX | 85598 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 75.0 | 75.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.5 |
| XXXX | 85600 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 85968 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 85.0 | 85.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 85969 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 85.0 | 85.0 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX |  | XX.XX% | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2.6 |
| XXXX | 85971 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 63.22 | 63.22 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2.2 |
| XXXX | 85601 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 52.38 | 52.38 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX |  | XX.XX% | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2.8 |
| XXXX | 85602 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 64.15 | 64.15 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 85972 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 74.76 | 74.76 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX |  | XX.XX% | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2.8 |
| XXXX | 85603 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 75.0 | 75.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 85973 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 52.63 | 52.63 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2 |
| XXXX | 85977 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 44.74 | 44.74 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX |  | XX.XX% | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2.7 |
| XXXX | 85606 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0 | XX.XX% | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 3.5 |
| XXXX | 85978 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 65.87 | 65.87 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX |  | XX.XX% | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2.6 |
| XXXX | 85980 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 65.0 | 65.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 85983 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 70.0 | 70.0 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX |  | XX.XX% | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 3.3 |
| XXXX | 85616 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1073 Individual Condo Report | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 85984 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 69.23 | 69.23 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX |  | XX.XX% | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2.9 |
| XXXX | 85619 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1073 Individual Condo Report | $X,XXX.XX | $X,XXX.XX | 65.47 | 65.47 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX |  | XX.XX% | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 999 |
| XXXX | 85986 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1073 Individual Condo Report | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | XX.XX% | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 3.3 |
| XXXX | 85987 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 75.0 | 75.0 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX |  | XX.XX% | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 85620 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 70.37 | 70.37 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 85988 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 85989 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1073 Individual Condo Report | $X,XXX.XX | $X,XXX.XX | 76.93 | 76.93 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.4 |
| XXXX | 85622 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 78.83 | 78.83 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX |  | XX.XX% | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 4 |
| XXXX | 85991 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX |  | XX.XX% | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 3.3 |
| XXXX | 85995 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 90.0 | 90.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.6 |
| XXXX | 85997 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 49.21 | 49.21 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX |  | XX.XX% | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2.5 |
| XXXX | 85998 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 48.19 | 48.19 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.4 |
| XXXX | 85999 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 74.58 | 74.58 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 86003 | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 48.28 | 48.28 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2000.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 86006 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 1000.0 | XX.XX% | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 4.6 |
| XXXX | 86007 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1073 Individual Condo Report | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 86008 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 63.65 | 63.65 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | XX.XX% | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.7 |
| XXXX | 86011 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1073 Individual Condo Report | $X,XXX.XX | $X,XXX.XX | 60.0 | 60.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 86012 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 65.22 | 65.22 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | 0.0 | XX.XX% | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2.6 |
| XXXX | 86013 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 58.51 | 58.51 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX | 86014 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX |  | XX.XX% | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 3 |
| XXXX | 86015 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1025 Small Residential Income Report | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX |  | XX.XX% | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |
| XXXX | 86017 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.9 |
| XXXX | 86018 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX |  | XX.XX% | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 3.2 |
| XXXX | 86020 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2.1 |
| XXXX | 86025 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Desk Review | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX |  | XX.XX% | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 3.5 |
| XXXX | 86026 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 76.88 | 76.88 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.7 |
| XXXX | 86027 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.9 |
| XXXX | 86030 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.6 |
| XXXX | 86034 | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |

---

## Exhibit 99.09

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.09 - Schedule 7**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 85547 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.88 | 40.62 | Audit were based on documents in the loan file.  |
| XXXX | 85549 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.66 | 37.67 | Rounding |
| XXXX | 85552 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.39 | 34.99 | Audit liabilities were based on the most recent credit report and credit supplement in the loan file. |
| XXXX | 85949 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.68 | 28.69 | Rounding |
| XXXX | 85950 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.86 | 48.38 | Audit liabilities were based on the most recent credit report and credit supplement in the loan file dated XX/XX/XXXX. |
| XXXX | 85951 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.87 | 49.62 | Audit reflects more conservative income based on documents in the loan file.  |
| XXXX | 85553 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 53.49 | 53.99 | Audit reflects difference in qualifying P & I than the approval.  |
| XXXX | 85556 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.35 | 49.18 | DTI difference is less than 1% and within lender tolerance.  |
| XXXX | 85558 | XXXX | Borrower 1 Last Name | notePage | Per Data | Per Tape | Audit Value Pulled From Note. |
| XXXX | 85558 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.69 | 44.70 | Rounding |
| XXXX | 85559 | XXXX | Property Address | notePage | Per Data | Per Tape | Audit Value Pulled From Note. |
| XXXX | 85559 | XXXX | Qualifying CLTV | propertyValuationPage | 65.47 | 65.46 | Rounding |
| XXXX | 85559 | XXXX | Qualifying LTV | propertyValuationPage | 65.47 | 65.46 | Rounding. |
| XXXX | 85562 | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit value pulled from the appraisal and title. |
| XXXX | 85566 | XXXX | Borrower 1 Last Name | notePage | Per Data | Per Tape | Audit Value Pulled From Note. |
| XXXX | 85566 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.32 | 45.27 | Audit reflects difference in subject property taxes per documents in the loan file.  |
| XXXX | 85568 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.83 | 31.42 | Audit DTI difference is due to income calculations and liabilities based on documents in loan file. |
| XXXX | 85571 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 6.74 | 6.75 | Rounding |
| XXXX | 85960 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.18 | 42.22 | Audit liabilities were based on documents in the loan file.  |
| XXXX | 85961 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.67 | 48.94 | 1008 DTI 49.67%. Audit DTI difference is due to income calculations and liabilities based on documents in loan file.  |
| XXXX | 85580 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.45 | 42.50 | Audit DTI difference is due to income calculations and liabilities based on documents in loan file.  |
| XXXX | 85586 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.31 | 30.27 | Audit liabilities were based on documents in the loan file. <br>|
| XXXX | 85962 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 54.1 | 54.07 | Audit reflects more conservative income based on documents in the loan file.  |
| XXXX | 85591 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.55 | 45.54 | Rounding. |
| XXXX | 85965 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.39 | 47.40 | Rounding |
| XXXX | 85592 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.37 | 41.43 | Audit DTI difference is due to liabilities based on documents in loan file.  |
| XXXX | 85598 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Audit value pulled from documents located in the loan file. |
| XXXX | 85969 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Audit value pulled from documents located in the loan file. |
| XXXX | 85601 | XXXX | Borrower 1 Last Name | notePage | Per Data | Per Tape | Audit Value Pulled From Note. |
| XXXX | 85601 | XXXX | Qualifying LTV | propertyValuationPage | 80 | 79.96 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXX | 85601 | XXXX | Qualifying CLTV | propertyValuationPage | 80 | 79.96 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXX | 85601 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 4.91 | 4.92 | Audit reflects difference in subject property taxes per documents in the loan file.  |
| XXXX | 85972 | XXXX | Qualifying LTV | propertyValuationPage | 54.55 | 54.54 | Rounding. |
| XXXX | 85972 | XXXX | Qualifying CLTV | propertyValuationPage | 54.55 | 54.54 | Rounding. |
| XXXX | 85603 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.8 | 39.45 | In 1008 all other monthly payment is $X,XXX.XX however as per the document all other monthly payment is $X,XXX.XX since DTI Differ from 39.45% to 25.80% |
| XXXX | 85606 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.88 | 46.26 | Audit DTI difference is due to income calculations and liabilities based on documents in loan file. |
| XXXX | 85980 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 16.06 | 16.07 | Rounding. |
| XXXX | 85616 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 83.47 | 82.61 | Audit DTI difference is due to income calculation and qualifying payment calculation per guideline requirement  |
| XXXX | 85984 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.92 | 44.49 | Audit liabilities were based on documents in the loan file.  |
| XXXX | 85620 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 4.64 | 4.65 | Rounding |
| XXXX | 85988 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.16 | 37.17 | Rounding. |
| XXXX | 85989 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 21.98 | 21.88 | Audit DTI difference is due to liabilities based on documents in loan file.  |
| XXXX | 85622 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 24.27 | 24.34 | Audit reflects difference in negative rental income per documents in the loan file and liabilities were based on the most recent credit report in the loan file dated XX/XX/XXXX. <br>|
| XXXX | 85991 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.4 | 32.19 | Audit reflects difference in subject property taxes per documents in the loan file.  |
| XXXX | 85995 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.04 | 46.34 | Audit DTI difference is due to difference between Monthly Tax Amount.  |
| XXXX | 85997 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.98 | 24.09 | Audit DTI difference is due to income calculations and liabilities based on documents in loan file.  |
| XXXX | 85998 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.8 | 49.79 | Rounding |
| XXXX | 86006 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.64 | 44.32 | Audit DTI difference is due to income calculations and liabilities based on documents in loan file.  |
| XXXX | 86008 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 12.55 | 12.56 | Rounding |
| XXXX | 86011 | XXXX | Borrower 1 Last Name | notePage | Per Data | Per Tape | Audit Value Pulled From Note. |
| XXXX | 86011 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.7 | 32.71 | Rounding. |
| XXXX | 86017 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.41 | 38.54 | Audit DTI difference is due to income calculations and liabilities based on documents in loan file. |
| XXXX | 86025 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Audit value pulled from documents located in the loan file. |
| XXXX | 86025 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 24.26 | 33.14 | Audit DTI difference is due to Second Home expense included for DTI Twice |

---

## Exhibit 99.10

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.10**

![](ex9910001.jpg)

**Selene Diligence LLC ("Selene") Due<br> Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by MFA Financial, Inc. ("Client"). The review was conducted between June 2<sup>nd</sup> 2025 and July 25<sup>th</sup> 2025 via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 12 Non-QM loans and 6 ATR/QM exempt loans for a total of 18 loans the "Final Securitization Population".

*<u>Credit Reviews (18):</u>*

During the Review, Selene performed a credit review on 18 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (18)</u>*

During the Review, Selene performed a compliance review, when applicable on 18 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (18):</u>*

During the Review, Selene performed a property valuation review on 18 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (18):</u>*

During the Review, Selene performed a Data Integrity Review on 18 mortgage loans in the Final Securitization Population.

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 18 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;18 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;18 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;18 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;18 | &nbsp;&nbsp;100% |

---

&nbsp;&nbsp;&nbsp;&nbsp;**(3) Determination of the sample size and computation.**

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, Fitch Ratings, Inc. (Fitch) (the "NRSRO").

&nbsp;&nbsp;&nbsp;&nbsp;**(4) Quality or integrity of information or data about the assets: review and methodology.**

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

&nbsp;&nbsp;&nbsp;&nbsp;**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

All Credit Considered Mortgage, Inc. (the "Guidelines")

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene is providing a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied

Page **2** of **16**

MFA 2025-NQM5 Executive Summary (Selene Diligence LLC)

on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A, B, and C, attached hereto).

**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

● Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Guidelines cited above;

● Re-calculated LTV, CLTV, income, liabilities and compared these against the Guidelines;

● Analyzed asset statements to determine whether funds to close and reserves were within the Guidelines;

● Confirmed that credit scores (FICO) and credit histories were within the Guidelines.

**COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&nbsp;&nbsp;&nbsp;&nbsp;• **Original Appraisal Assessment** 

Selene reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

&nbsp;&nbsp;&nbsp;&nbsp;• **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

**DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data is uploaded into the application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan
Reviewer collects validated loan data;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Each
received data point is compared to its counterpart collected data point; and

Page **3** of **16**

MFA 2025-NQM5 Executive Summary (Selene Diligence LLC)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Discrepancies
found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 18 mortgage loans, (ii) a Compliance Review on 18 mortgage loans (iii) a Valuation Review on 18 mortgage loans, and (iv) a Data Integrity Review on 18 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

Page **4** of **16**

MFA 2025-NQM5 Executive Summary (Selene Diligence LLC)

**<u>REVIEW RESULTS SUMMARY</u>**

After review of the 18 mortgage loans; 9 mortgage loans had a rating grade of A, 9 mortgage loans had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;***Grades per loan (18 overall loans):*** | &nbsp;&nbsp;***Grades per loan (18 overall loans):*** | &nbsp;&nbsp;***Grades per loan (18 overall loans):*** | &nbsp;&nbsp;***Grades per loan (18 overall loans):*** | &nbsp;&nbsp;***Grades per loan (18 overall loans):*** | &nbsp;&nbsp;***Grades per loan (18 overall loans):*** |
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;22.22% | &nbsp;&nbsp;A | &nbsp;&nbsp;9 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;5 | &nbsp;&nbsp;27.78% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;9 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** |
|  | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** |  | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;16 | &nbsp;&nbsp;88.89% | &nbsp;&nbsp;A | &nbsp;&nbsp;12 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;11.11% | &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;C | &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;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;17 | &nbsp;&nbsp;94.44% |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.56% |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

*Disclaimer:* Please be advised that Selene did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant

Page **5** of **16**

MFA 2025-NQM5 Executive Summary (Selene Diligence LLC)

factors relating to the origination of the mortgage loans, their compliance with all applicable laws and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Selene are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Selene is relying in reaching such findings.

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene
Due Diligence Narrative Report

2. ASF
Report

3. Grading
Summary

4. Exception
Detail

5. Tape
Discrepancies

6. Valuations
Report

7. Supplemental
Data

8. Third
Party (TPR) Attestation Form

9. Attestation
Form 15E

Page **6** of **16**

MFA 2025-NQM5 Executive Summary (Selene Diligence LLC)

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The
 application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The
 application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All
 known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture
 the monthly consumer debt payments for use in the debt to income and/or residual income
 calculation, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note
 the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather
 data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most
 recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most
 recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number
 of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit
 Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal
 or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay
 stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2
 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax
 returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial
 statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award
 letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank
 statements

Page **7** of **16**

MFA 2025-NQM5 Executive Summary (Selene Diligence LLC)

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository
 account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock
 or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement
 statement or other evidence of conveyance and transfer of funds if a sale of assets was
 involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify
 that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For
 condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm
 that the flood cert is for the correct borrower, property, lender and loan number and
 is a "Life of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For
 properties is in a flood zone per the flood cert, confirm that flood insurance in the
 file meets the minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm
 that the mortgagee clause lists the lender's name and "its successors and
 assigns"; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm
 that the premium amount on both the hazard and flood insurance match what was used in
 the DTI calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed
 for any name variations for the borrowers and confirm that the variations have been addressed
 in the loan file;

Page **8** of **16**

MFA 2025-NQM5 Executive Summary (Selene Diligence LLC)

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed
 for any social security number variations for the borrowers and confirm that the variations
 have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed
 for any potential occupancy issues based on the borrowers' address history and
 confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed
 for any employment issues and confirm that any issues have been addressed in the loan
 file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed
 for any additional consumers associated with the borrowers' profiles and confirm
 the materiality and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed
 all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 review of the completeness and accuracy of the information obtained in the mortgage origination
 process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A
 review of closing documents to ensure that the mortgage file information is complete,
 accurate, and consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene
 will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification
 that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
 loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification
 that all borrowers are eligible based on the guidelines and information in the loan file;
 and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify
 there is appropriate documentation present to confirm that applicable documents have
 been recorded or have been sent for recording.

Page **9** of **16**

MFA 2025-NQM5 Executive Summary (Selene Diligence LLC)

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

**1.** **Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

v) failure to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015:*</u> 

i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan</u> 

Page **10** of **16**

MFA 2025-NQM5 Executive Summary (Selene Diligence LLC)

<u>Originator Compensation and Steering (§1026.36):</u>

i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the
 creditor obtained proof of homeownership counseling in connection with a mortgage loan to a first-time homebuyer that contains
 a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the
 creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) review
 for presence of mortgage loan originator organization and individual mortgage loan originator name and NMLSR ID, as applicable,
 on the credit application, note or mortgage loan contract, security instrument, Loan Estimate and Closing Disclosure;
 and (ii) verify the data against the NMLSR database, as available.

**2.** **Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were completed and that information was reflected in the appropriate locations, which was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

v) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vi) confirm borrower received LE not later than four (4) business days prior to consummation; and

vii) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD; and

Page **11** of **16**

MFA 2025-NQM5 Executive Summary (Selene Diligence LLC)

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 4.0, as may be updated from time to time.

**3.** **Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) the
 general Ability to Repay ("ATR") underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) refinancing
 of non-standard mortgages (12 C.F.R. 1026.43(d)); and

&nbsp;&nbsp;&nbsp;&nbsp;c) Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

**<u>General Ability to Repay</u>**

Selene reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

Selene reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Selene does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Selene's review is based on information contained in the mortgage loan file at the time it is provided to Selene to review, and only reflects information as of that point in time.

**4.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

**5.** **Federal and state specific high-cost provisions, as further enumerated in Schedule 1, attached hereto.** 

Page **12** of **16**

MFA 2025-NQM5 Executive Summary (Selene Diligence LLC)

**SCHEDULE I**

&nbsp;&nbsp;&nbsp;&nbsp;1. AL
 Consumer Credit License- Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;2. AK
 Small Loan Act-Mortgage Broker/Lender License-Mortgage Lending Regulation License<br>
 Registered Depository Institution Registration

&nbsp;&nbsp;&nbsp;&nbsp;3. AR
 Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;4. AZ
 Mortgage Banker & Broker License-Consumer Lender License

&nbsp;&nbsp;&nbsp;&nbsp;5. CA
 AB 489/344 (Division 1.6 of the Financial Code)

&nbsp;&nbsp;&nbsp;&nbsp;6. CO
 Consumer Equity Protection Article

&nbsp;&nbsp;&nbsp;&nbsp;7. CO
 Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;8. DE
 Licensed Lender License Broker License Lender License

&nbsp;&nbsp;&nbsp;&nbsp;9. Washington,
 DC Home Loan Protection Act of 2002

&nbsp;&nbsp;&nbsp;&nbsp;10. Washington,
 DC Mortgage Disclosure Act of 2007

&nbsp;&nbsp;&nbsp;&nbsp;11. FL
 Fair Lending Act

&nbsp;&nbsp;&nbsp;&nbsp;12. GA
 Fair Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;13. HW
 Financial Services Loan Company License -Mortgage Broker and Solicitor License- Foreign
 Lender License - Mortgage Loan Originator Company License

&nbsp;&nbsp;&nbsp;&nbsp;14. ID
 Residential Mortgage Practices Act - (Home Loan Practices article)

&nbsp;&nbsp;&nbsp;&nbsp;15. IN
 Home Loan Practices Article

&nbsp;&nbsp;&nbsp;&nbsp;16. IA
 Mortgage Banker License Regulated Loan License - Industrial Loan License - Mortgage Banker
 Registrant- Mortgage Broker License- Master Loan Company Registration<br>
 Nonprofit Mortgage Banker Registrant

&nbsp;&nbsp;&nbsp;&nbsp;17. KS
 Consumer Credit Code - Kansas Supervised Lenders License- - Consumer credit code 16-207

&nbsp;&nbsp;&nbsp;&nbsp;18. LA
 Residential Mortgage Lending License - Consumer Loan License- Licensed Lender License

&nbsp;&nbsp;&nbsp;&nbsp;19. MA
 Mortgage Lender and Broker Regulations

&nbsp;&nbsp;&nbsp;&nbsp;20. MD
 Commercial Law amended by Maryland Senate Bill 270

&nbsp;&nbsp;&nbsp;&nbsp;21. Maryland
 Regulations under the Maryland Mortgage Lender Law HB 649 - 363amendments, and COMAR

&nbsp;&nbsp;&nbsp;&nbsp;22. MI
 Consumer Mortgage Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;23. MN
 Mortgage Originator and Servicer Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;24. MS
 Residential Mortgage Company License - Mortgage Lender License - Mortgage Broker Licen

&nbsp;&nbsp;&nbsp;&nbsp;25. MO
 Mortgage Company License

&nbsp;&nbsp;&nbsp;&nbsp;26. MT
 - Consumer Loan License - Residential Mortgage Lender License-Mortgage Broker License<br>
 Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;27. NC
 Rate Spread Home Loan Provisions (original 2008 provisions and 2009, 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;28. ND
 Money Broker License

&nbsp;&nbsp;&nbsp;&nbsp;29. NE
 Mortgage Bankers Registration and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;30. NH
 First Mortgage Banker License – Second Mortgage Home Loan – Mortgage Banker
 License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;31. NJ
 Home Ownership Security Act 2002 (pre- and post-amendments)

Page **13** of **16**

MFA 2025-NQM5 Executive Summary (Selene Diligence LLC)

&nbsp;&nbsp;&nbsp;&nbsp;32. NM
 Home Loan Protection Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;33. OH
 Consumer Sales Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;34. Cleveland
 Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;35. Summit
 County, OH Consumer Affairs Board Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;36. Summit
 County, OH Consumer Protection Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;37. OK
 Home Ownership and Equity Protection Act (original provisions & 2009 higher-priced
 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;38. OR
 Consumer Finance License – Consumer Finance Registration – Mortgage Lender
 License

&nbsp;&nbsp;&nbsp;&nbsp;39. PA
 Consumer Equity Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;40. RI
 Home Loan Protection Act and Regulation 3

&nbsp;&nbsp;&nbsp;&nbsp;41. SD
 Mortgage Lender License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;42. TN
 Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;43. UT
 Residential Mortgage Practices and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;44. VA
 Mortgage Lender and Broker Act

&nbsp;&nbsp;&nbsp;&nbsp;45. WA
 House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008 –
 Consumer Loan Company License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;46. WV
 Residential Mortgage Lender, Broker and Servicer Act

&nbsp;&nbsp;&nbsp;&nbsp;47. WY
 Consumer Credit Code – Registered Consumer Loan Lender – Mortgage Lender
 Broker License

<u>The following state **specific** regulations which address high cost, higher priced and anti-predatory lending.</u>

&nbsp;&nbsp;&nbsp;&nbsp;1. CA
 AB 260 (Division 1.9 of the Financial Code) higher-priced mortgage loan provisions -
 Anti-Predatory Lending Statute - Amendment

&nbsp;&nbsp;&nbsp;&nbsp;2. CT
 Abusive Home Lending Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;3. CT
 Nonprime Home Loans Statute

&nbsp;&nbsp;&nbsp;&nbsp;4. IL
 Office of Banks and Real Estate High Risk Home Loan Regulations

&nbsp;&nbsp;&nbsp;&nbsp;5. IL
 High Risk Home Loan ActL Predatory Lending Database Program

&nbsp;&nbsp;&nbsp;&nbsp;6. Chicago,
 IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;7. Cook
 County, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;8. KY
 Predatory Lending and High Cost Home Loan Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;9. ME
 Title 9-A Residential Mortgage Loan, High-Rate, High-Fee Provisions, High Cost, Subprime,
 Rate Spread Home Loan, and Higher-Priced Mortgage Loan Provisions (original 2003 provisions
 and 2008, 2009, 2011 & 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;10. MA
 High Cost Home Loan Regulations (pre- and post-amendments) - MA Predatory Home Loan Practices
 Act - MA 209 CMR 32.35 Higher-Priced Mortgage Loan Provisions - MA "Borrower's
 Interest" Standard

&nbsp;&nbsp;&nbsp;&nbsp;11. Maryland
 Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage
 Lender Law

&nbsp;&nbsp;&nbsp;&nbsp;12. NC
 Restrictions and Limitations of Home Loans and High-Cost Home Loans

&nbsp;&nbsp;&nbsp;&nbsp;13. NV
 Unfair Lending Practices Act – Anti Predatory Lending Law

&nbsp;&nbsp;&nbsp;&nbsp;14. NY
 GRBB Part 41 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;15. NY
 Banking Law 6-L

&nbsp;&nbsp;&nbsp;&nbsp;16. NY
 Banking Law 6-M

&nbsp;&nbsp;&nbsp;&nbsp;17. OH
 Anti - Predatory Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;18. Cleveland
 Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;19. RI
 Providence Ordinance Regarding Predatory Lending (post-amendment)

&nbsp;&nbsp;&nbsp;&nbsp;20. SC
 High-Cost and Consumer Home Loan Act (original provisions & 2010 ARM amendments)

&nbsp;&nbsp;&nbsp;&nbsp;21. TX
 Home Loan and High Cost Home Loan Act

Page **14** of **16**

MFA 2025-NQM5 Executive Summary (Selene Diligence LLC)

&nbsp;&nbsp;&nbsp;&nbsp;22. UT
 High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;23. VT
 High Rate Loans

&nbsp;&nbsp;&nbsp;&nbsp;24. VI
 VA SB 797 Hight Risk Mortgage – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;25. WI
 Responsible High Cost Mortgage Lending Act

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

○ The individuals performing the aforementioned original appraisal assessment are not persons providing valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute "appraisal reviews" for purposes of USPAP or Federal or State law.

○ Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Selene may have reviewed valuation information for reasonableness.

○ Selene is not an 'AMC' (appraisal management company) and therefore Selene does not opine on the actual value of the underlying property.

Page **15** of **16**

MFA 2025-NQM5 Executive Summary (Selene Diligence LLC)

● Selene is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Selene will not have any communication with or responsibility to any individual consumer concerning property valuation.

● Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **16** of **16**

MFA 2025-NQM5 Executive Summary (Selene Diligence LLC)

## Exhibit 99.10

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.10 - Schedule 1**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 85133 |  | XXXX | XXXX A C B |
| 85141 |  | XXXX | XXXX A D |
| 85144 |  | XXXX | XXXX A D B |
| 85136 |  | XXXX | XXXX A |
| 85135 |  | XXXX | XXXX B D A |
| 85139 |  | XXXX | XXXX C A B |
| 85132 |  | XXXX | XXXX B D A |
| 85142 |  | XXXX | XXXX C D A B |
| 85147 |  | XXXX | XXXX B D A |
| 85137 |  | XXXX | XXXX A |
| 85138 |  | XXXX | XXXX A |
| 85145 |  | XXXX | XXXX A D |
| 85134 |  | XXXX | XXXX C A B |
| 85146 |  | XXXX | XXXX C A B |
| 85148 |  | XXXX | XXXX A D |
| 85140 |  | XXXX | XXXX A |
| 85150 |  | XXXX | XXXX C A |
| 85149 |  | XXXX | XXXX A D C |

---

## Exhibit 99.10

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.10 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | 85133 |  |  | Closed | 2025-06-09 07:02 | 2025-06-13 11:30 | Waived | 2 - Non-Material C B | Property | Property | Property Type does not meet eligibility requirement(s) | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-06/13/2025 <br> Ready for Review-ACC approves exc, ok to proceed. - Seller-06/12/2025 <br> Open-Exception on page#295.<br> Rural property and XXXX acres. as per GL Rural property not eligible andmax XXXX acres - Due Diligence Vendor-06/09/2025 | Ready for Review-ACC approves exc, ok to proceed. - Seller-06/12/2025<br>| Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-06/13/2025<br>|  |  | 1.LTV is XXXX%. Maximum allowed per guidelines is XXXX%.<br> 2.Credit Score is XXXX. Minimum required per guidelines is XXXX.<br> 3.Borrower(s) have XXXX months Reserves. Minimum required per guidelines is XXXX months. | SC | Investment | Purchase | NA | 4378322 | Originator Pre-Close | Yes |
| XXXX | 85141 |  |  | Closed | 2025-06-09 06:49 | 2025-06-10 05:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-06/10/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/10/2025 <br>Ready for Review-Document Uploaded. - Seller-06/09/2025 <br>Open-Evidence of Rate Lock Missing Provide Confirmation of Lock - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025<br>| Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-06/10/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/10/2025<br>| XXXX |  |  | DE | Primary Residence | Purchase | NA | 4378146 | N/A | N/A |
| XXXX | 85141 |  |  | Closed | 2025-06-09 07:12 | 2025-06-10 05:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-All pages of PUD Rider received - Due Diligence Vendor-06/10/2025 <br>Ready for Review-Document Uploaded. - Seller-06/09/2025 <br>Open-Provide all 4 pages of the PUD Rider - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025<br>| Resolved-All pages of PUD Rider received - Due Diligence Vendor-06/10/2025<br>| XXXX |  |  | DE | Primary Residence | Purchase | NA | 4378443 | N/A | N/A |
| XXXX | 85141 |  |  | Closed | 2025-06-06 02:56 | 2025-06-10 04:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE, Initial CD, COC's and Disclosure Tracking Summary received - Due Diligence Vendor-06/10/2025 <br>Ready for Review-Document Uploaded. - Seller-06/09/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial Closing Disclosure, related COC and Disclosure Tracking Summary - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025<br>| Resolved-Revised LE, Initial CD, COC's and Disclosure Tracking Summary received - Due Diligence Vendor-06/10/2025<br>| XXXX |  |  | DE | Primary Residence | Purchase | NA | 4357236 | N/A | N/A |
| XXXX | 85144 |  |  | Closed | 2025-06-24 13:24 | 2025-06-25 10:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-received the Initial CD and COC's - Due Diligence Vendor-06/25/2025 <br>Ready for Review-Document Uploaded. - Seller-06/24/2025 <br>Open-TRID: Missing Closing Disclosure Missing the initial closing disclosure and any COC's - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. - Seller-06/24/2025<br>| Resolved-received the Initial CD and COC's - Due Diligence Vendor-06/25/2025<br>| XXXX |  |  | TN | Primary Residence | Refinance | Cash Out - Other | 4547215 | N/A | N/A |
| XXXX | 85144 |  |  | Closed | 2025-06-25 09:51 | 2025-06-25 10:00 | Waived | 2 - Non-Material C B | Compliance | Broker:LimitFees | Tennessee - Max Broker Fees (RLBSA) | Waived-Waived Per external counsel - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 <br> Open-The total of all fees paid by the borrower to the broker ($XXXX) exceeds XXXX% of the loan amount ($XXXX). The Tennessee Residential Lending, Brokerage, and Servicing Act limits the brokerage commission to XXXX% of the loan amount. Brokerage commissions include all fees paid to parties for services performed in the origination and placement of mortgage loans with third party lenders, whether the loans are closed directly in the name of the lender or in the name of another party with the intention to sell and transfer the loan; provided such sale or transfer is completed within one year from closing. (XXXX) open - Due Diligence Vendor-06/25/2025 <br> Open- - Due Diligence Vendor-06/25/2025 |  | Waived-Waived Per external counsel - Due Diligence Vendor-06/25/2025<br>|  |  |  | TN | Primary Residence | Refinance | Cash Out - Other | 4558069 | Originator Post-Close | Yes |
| XXXX | 85144 |  |  | Closed | 2025-06-18 03:06 | 2025-06-25 09:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Requested Lock Confirmation Final Provided hence resolved. - Due Diligence Vendor-06/25/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/25/2025 <br>Ready for Review-Document Uploaded. - Seller-06/24/2025 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. - Seller-06/24/2025<br>| Resolved-Requested Lock Confirmation Final Provided hence resolved. - Due Diligence Vendor-06/25/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/25/2025<br>| XXXX |  |  | TN | Primary Residence | Refinance | Cash Out - Other | 4482709 | N/A | N/A |
| XXXX | 85135 |  |  | Closed | 2025-06-17 05:41 | 2025-06-17 05:52 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (XXXX). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 149 and the Final Closing disclosure on page 75 reflects escrows. Rate lock date was entered correctly – see page 167. An interior and exterior appraisal was completed for this property – see page 25, the appraisal disclosure was provided to the borrower(s)- see page 217 and copy of the appraisal was given to the borrower – see page 86. The loan meets HPML guidelines. - Due Diligence Vendor-06/17/2025 <br> Open-The loan's (XXXX%) APR equals or exceeds the Federal XXXX threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX) . - Due Diligence Vendor-06/17/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (XXXX). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 149 and the Final Closing disclosure on page 75 reflects escrows. Rate lock date was entered correctly – see page 167. An interior and exterior appraisal was completed for this property – see page 25, the appraisal disclosure was provided to the borrower(s)- see page 217 and copy of the appraisal was given to the borrower – see page 86. The loan meets XXXX guidelines. - Due Diligence Vendor-06/17/2025 |  |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 4468690 | N/A | N/A |
| XXXX | 85135 |  |  | Closed | 2025-06-13 13:36 | 2025-06-17 05:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE, Initial CD, COC and Disclosure Tracking Summary received - Due Diligence Vendor-06/17/2025 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/17/2025 <br>Ready for Review-Document Uploaded. - Seller-06/16/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. - Seller-06/16/2025<br>| Resolved-Revised LE, Initial CD, COC and Disclosure Tracking Summary received - Due Diligence Vendor-06/17/2025 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/17/2025<br>| XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 4445302 | N/A | N/A |
| XXXX | 85135 |  |  | Closed | 2025-06-17 05:41 | 2025-06-17 05:46 | Resolved | 1 - Information C A | Compliance | Mavent | License: Loan Originator | Resolved- - Due Diligence Vendor-06/17/2025 <br> Open-The loan originator does not have a license in XXXXas of XXXX - Due Diligence Vendor-06/17/2025 |  | Resolved- - Due Diligence Vendor-06/17/2025<br>|  |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 4468691 | N/A | N/A |
| XXXX | 85135 |  |  | Closed | 2025-06-13 09:40 | 2025-06-13 10:55 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-06/13/2025 |  | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-06/13/2025<br>|  |  | DTI - Loan File XXXX% , GL Requirement Max XXXX%<br> Residual Income - Loan File $XXXX, GL Requirement min $XXXX +$XXXXper dependent =$XXXX <br> Months Reserves - Loan File XXXX months, GL Requirement MinXXXX months | AZ | Primary Residence | Refinance | Cash Out - Other | 4441116 | Originator Pre-Close | Yes |
| XXXX | 85139 |  |  | Closed | 2025-06-10 00:54 | 2025-06-16 07:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Open-Guidelines do not allow entity to sign note Document Uploaded. Note signed by XXXX - MANAGING MEMBER on behalf of the Business Entity, XXXX. Provide Exception - Due Diligence Vendor-06/10/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025<br>| Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-06/16/2025<br>| XXXX |  | XXXX- Loan File XXXX , XXXX Min 0<br> LTV- Loan FileXXXX%, GL Requirement Max XXXX% | VA | Investment | Purchase | NA | 4391190 | Originator Pre-Close | Yes |
| XXXX | 85132 |  |  | Closed | 2025-06-11 07:04 | 2025-06-13 07:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE, Initial CD, COC's and Disclosure Summary Tracking received - Due Diligence Vendor-06/13/2025 <br>Ready for Review-Document Uploaded. - Seller-06/12/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025<br>| Resolved-Revised LE, Initial CD, COC's and Disclosure Summary Tracking received - Due Diligence Vendor-06/13/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 4408759 | N/A | N/A |
| XXXX | 85132 |  |  | Closed | 2025-06-09 02:19 | 2025-06-11 06:12 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-Exception Approved<br> Exception Document page 479.<br> Exception Reason: Other - Funds for closing and reserves coming from sale of property in XXXX where spouse was on title. Property sold<br> and funds transferred to the XXXX. Considering these funds marital funds - Due Diligence Vendor-06/09/2025 |  | Waived-Exception Approved<br> Exception Document page 479.<br> Exception Reason: Other - Funds for closing and reserves coming from sale of property in XXXXwhere spouse was on title. Property sold<br> and funds transferred to the XXXX. Considering these funds marital funds - Due Diligence Vendor-06/09/2025 |  |  | DTI - Loan File XXXX %, GL Requirement Max. XXXX%.<br> Credit Score - Loan File XXXX. GL Requirement Min XXXX.<br> Housing History - Loan File XXXX months, GL Requirement XXXX months.<br> Residual Income - Loan File $XXXX, GL Requirement $XXXX.  | FL | Primary Residence | Purchase | NA | 4376515 | Originator Pre-Close | Yes |
| XXXX | 85142 |  |  | Closed | 2025-07-08 08:21 | 2025-07-25 20:49 | Cured | 2 - Non-Material C B | Compliance | Mavent | NJ Fee Not Allowed- Transaction Fee (Fee ID: 998) | Cured-Lender provided PC CD, proof of check, LOX to borrower and proof PC CD sent. Finding cured. - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. Cure attached. - Seller-07/14/2025 <br> Open-Section XXXX of the XXXX Mortgage Loans, Fees, Obligations Provisions (XXXX) does not allow Transaction Fee (XXXX) to be charged to the Borrower in XXXX. Updated Doc Prep fees to actual fee name. - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. Cure attached. - Seller-07/14/2025<br>| Cured-Lender provided PC CD, proof of check, LOX to borrower and proof PC CD sent. Finding cured. - Due Diligence Vendor-07/15/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 4722018 | N/A | N/A |
| XXXX | 85142 |  |  | Closed | 2025-07-08 08:21 | 2025-07-25 20:49 | Cured | 2 - Non-Material C B | Compliance | Mavent | NJ Fee Not Allowed- Electronic Recording Fee (Fee ID: 998) | Cured-Lender provided PC CD, proof of check, LOX to borrower and proof PC CD sent. Finding cured. - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. Cure attached. - Seller-07/14/2025 <br> Open-Section XXXX of the New Jersey Mortgage Loans, Fees, Obligations Provisions (XXXX) does not allow Electronic Recording Fee (XXXX) to be charged to the Borrower in NJ. Updated Recording service fees to read as actual fee name. - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. Cure attached. - Seller-07/14/2025<br>| Cured-Lender provided PC CD, proof of check, LOX to borrower and proof PC CD sent. Finding cured. - Due Diligence Vendor-07/15/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 4722019 | N/A | N/A |
| XXXX | 85142 |  |  | Closed | 2025-07-08 08:21 | 2025-07-25 20:49 | Cured | 2 - Non-Material C B | Compliance | Mavent | NJ Fee Not Allowed- Good Standing Fee (Fee ID: 998) | Cured-Lender provided PC CD, proof of check, LOX to borrower and proof PC CD sent. Finding cured. - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. Cure attached. - Seller-07/14/2025 <br> Open-Section XXXX of the New Jersey Mortgage Loans, Fees, Obligations Provisions (XXXX) does not allow Good Standing Fee (XXXX) to be charged to the Borrower in XXXX. Updated Doc Prep fees to actual fee name. - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. Cure attached. - Seller-07/14/2025<br>| Cured-Lender provided PC CD, proof of check, LOX to borrower and proof PC CD sent. Finding cured. - Due Diligence Vendor-07/15/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 4722017 | N/A | N/A |
| XXXX | 85142 |  |  | Closed | 2025-06-30 10:27 | 2025-07-08 08:25 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Document Preparation Fee (Fee ID: 104) | Resolved-Removed Doc prep fee and updated to actual fee names. - Due Diligence Vendor-07/08/2025 <br> Resolved- - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. A Document Preparation Fee was not charged to the borrower. Please see final CD signed at closing. - Seller-07/07/2025 <br> Open-Section XXXX of the XXXX Mortgage Loans, Fees, Obligations Provisions (XXXX) does not allow Document Preparation Fee (XXXX to be charged to the Borrower in XXXX. State specific finding for fee not allowed. - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. A Document Preparation Fee was not charged to the borrower. Please see final CD signed at closing. - Seller-07/07/2025<br>| Resolved-Removed Doc prep fee and updated to actual fee names. - Due Diligence Vendor-07/08/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 4603854 | N/A | N/A |
| XXXX | 85142 |  |  | Closed | 2025-06-30 10:27 | 2025-07-08 08:25 | Resolved | 1 - Information C A | Compliance | Fees:Limited | New Jersey - Recording Service Fee (MLFOP)(First Lien) | Resolved-Updated recording service fee and updated to actual fee name on disclosure. - Due Diligence Vendor-07/08/2025 <br> Resolved- - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. - Seller-07/07/2025 <br> Open-You charged a ($XXXX) Recording Service Fee. The XXXX Residential Mortgage Loans, Fees, Obligations Provisions limit the amount of the additional service fee for recording a cancellation of a mortgage to $XXXX. (XXXX) State specific finding for fee not allowed. - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. - Seller-07/07/2025<br>| Resolved-Updated recording service fee and updated to actual fee name on disclosure. - Due Diligence Vendor-07/08/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 4603856 | N/A | N/A |
| XXXX | 85142 |  |  | Closed | 2025-06-27 12:49 | 2025-06-30 10:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided missing disclosures. Finding resolved. - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Document Uploaded. - Seller-06/27/2025 <br>Open-TRID: Missing Closing Disclosure Initial CD is missing from file. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-06/27/2025<br>| Resolved-Lender provided missing disclosures. Finding resolved. - Due Diligence Vendor-06/30/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 4590086 | N/A | N/A |
| XXXX | 85142 |  |  | Closed | 2025-06-27 12:21 | 2025-06-30 09:23 | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-Lender provided Asset worksheet. Finding resolved. - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Document Uploaded. - Seller-06/27/2025 <br>Open-Asset worksheet is missing from file. - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. - Seller-06/27/2025<br>| Resolved-Lender provided Asset worksheet. Finding resolved. - Due Diligence Vendor-06/30/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 4589462 | N/A | N/A |
| XXXX | 85142 |  |  | Closed | 2025-06-30 10:27 | 2025-07-15 10:54 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (XXXX(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 354 and the Final Closing disclosure on Pg. 245 reflects escrows. Rate lock date was entered correctly – see Pg. 384. An interior and exterior appraisal was completed for this property – see Pg. 31, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 431 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 354 and the Final Closing disclosure on Pg. 245 reflects escrows. Rate lock date was entered correctly – see Pg. 384. An interior and exterior appraisal was completed for this property – see Pg. 31, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 431 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/08/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 354 and the Final Closing disclosure on Pg. 245 reflects escrows. Rate lock date was entered correctly – see Pg. 384. An interior and exterior appraisal was completed for this property – see Pg. 31, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 431 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. <br> - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 354 and the Final Closing disclosure on Pg. 245 reflects escrows. Rate lock date was entered correctly – see Pg. 384. An interior and exterior appraisal was completed for this property – see Pg. 31, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 431 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-07/15/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (XXXX)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 354 and the Final Closing disclosure on Pg. 245 reflects escrows. Rate lock date was entered correctly – see Pg. 384. An interior and exterior appraisal was completed for this property – see Pg. 31, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 431 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-07/08/2025 <br> Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXXa)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 354 and the Final Closing disclosure on Pg. 245 reflects escrows. Rate lock date was entered correctly – see Pg. 384. An interior and exterior appraisal was completed for this property – see Pg. 31, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 431 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. <br> - Due Diligence Vendor-06/30/2025 |  |  |  | NJ | Primary Residence | Purchase | NA | 4603855 | N/A | N/A |
| XXXX | 85147 |  |  | Closed | 2025-07-11 09:37 | 2025-07-14 05:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. - Seller-07/11/2025 <br>Open-Provide Confirmation of Rate Lock - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025<br>| Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-07/14/2025<br>| XXXX |  |  | CA | Investment | Purchase | NA | 4787029 | N/A | N/A |
| XXXX | 85147 |  |  | Closed | 2025-07-11 11:06 | 2025-07-11 11:06 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Exception page 420<br> Exception Reason: OTHER- Large Deposits<br> Exception to define a large deposit as one exceeding XXXX% of the gross qualifying income as opposed to XXXX% listed in guideline<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-07/11/2025 |  | Waived-Exception page 420<br> Exception Reason: OTHER- Large Deposits<br> Exception to define a large deposit as one exceeding XXXX% of the gross qualifying income as opposed to XXXX% listed in guideline<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-07/11/2025 |  |  | Credit Score - Loan File XXXX, GL Requirement Min XXXX<br> Residual Income- Loan File $XXXX, GL Requirement Min $XXXX<br> Consumer Payment History-XXXXmonths, GL RequirementXXXX months<br> Housing History- Loan File XXXX months, GL Requirement XXXX months | CA | Investment | Purchase | NA | 4788614 | Originator Pre-Close | Yes |
| XXXX | 85137 |  |  | Closed | 2025-06-23 00:36 | 2025-06-23 01:05 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 624 and the Final Closing disclosure on Pg#379 reflects escrows. Rate lock date was entered correctly see Pg# 675 An interior and exterior appraisal was completed for this property – see Page# 61 the appraisal disclosure was provided to the borrower(s)- see Pg# N/A, and copy of the appraisal was given to the borrower see Pg# 61 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/23/2025 <br> Open- - Due Diligence Vendor-06/23/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 624 and the Final Closing disclosure on Pg#379 reflects escrows. Rate lock date was entered correctly see Pg# 675 An interior and exterior appraisal was completed for this property – see Page# 61 the appraisal disclosure was provided to the borrower(s)- see Pg# N/A, and copy of the appraisal was given to the borrower see Pg# 61 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/23/2025 |  |  |  | FL | Primary Residence | Purchase | NA | 4523401 | N/A | N/A |
| XXXX | 85138 |  |  | Closed | 2025-06-16 01:17 | 2025-06-17 07:29 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).XXXX(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 317 and the Final Closing disclosure on Pg# 131 reflects escrows. Rate lock date was entered correctly see Pg# 352 An interior and exterior appraisal was completed for this property – see Page# 27 the appraisal disclosure was provided to the borrower(s)- see Pg# 404-405, and copy of the appraisal was given to the borrower see Pg# 218 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/16/2025 |  | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX%).(XXXX)(1)(i)) This loan failed the higher-priced mortgage loan test. (XXXX)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 317 and the Final Closing disclosure on Pg# 131 reflects escrows. Rate lock date was entered correctly see Pg# 352 An interior and exterior appraisal was completed for this property – see Page# 27 the appraisal disclosure was provided to the borrower(s)- see Pg# 404-405, and copy of the appraisal was given to the borrower see Pg# 218 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/16/2025 |  |  |  | FL | Primary Residence | Purchase | NA | 4453645 | N/A | N/A |
| XXXX | 85145 |  |  | Closed | 2025-06-20 07:58 | 2025-06-27 04:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD provided. Resolved - Due Diligence Vendor-06/27/2025 <br>Ready for Review-Document Uploaded. - Seller-06/26/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. - Seller-06/26/2025<br>| Resolved-Initial CD provided. Resolved - Due Diligence Vendor-06/27/2025<br>| XXXX |  |  | FL | Second Home | Purchase | NA | 4509927 | N/A | N/A |
| XXXX | 85145 |  |  | Closed | 2025-06-20 07:59 | 2025-06-27 04:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Note | Resolved-Note document provided. - Due Diligence Vendor-06/27/2025 <br>Ready for Review-Document Uploaded. - Seller-06/26/2025 <br>Open-Provide Note - Due Diligence Vendor-06/20/2025 | Ready for Review-Document Uploaded. - Seller-06/26/2025<br>| Resolved-Note document provided. - Due Diligence Vendor-06/27/2025<br>| XXXX |  |  | FL | Second Home | Purchase | NA | 4509964 | N/A | N/A |
| XXXX | 85134 |  |  | Closed | 2025-06-15 23:41 | 2025-06-17 12:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. - Seller-06/17/2025 <br> Open-Guidelines do not allow entity to sign note Note was signed by XXXX - XXXX on behalf of Business Entity, XXXX. Provide Exception - Due Diligence Vendor-06/16/2025 | Borrower signed note as member of LLC instead of as individual, which differs from guideline. This is fine since we have the guaranty - 06/17/2025 <br>Ready for Review-Document Uploaded. - Seller-06/17/2025<br>| Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-06/17/2025<br>| XXXX |  | DTI - Loan FileXXXX, GL Requirement Max. XXXX%.<br> Credit Score - Loan File XXXX. GL Requirement Min XXXX.<br> Residual Income - Loan File $XXXX. GL Requirement $XXXX. <br> Job Stability- Loan File XXXX yrs, GL Requirement XXXX yrs<br> Personal Guaranty in file | NJ | Investment | Refinance | Cash Out - Other | 4453368 | Originator Pre-Close | Yes |
| XXXX | 85134 |  |  | Closed | 2025-06-16 00:18 | 2025-06-17 09:46 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Commitment with Title Coverage iao $XXXX - Due Diligence Vendor-06/17/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. - Seller-06/17/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount - Due Diligence Vendor-06/16/2025 | Ready for Review-Document Uploaded. - Seller-06/17/2025<br>| Resolved-Updated Title Commitment with Title Coverage iao $XXXX - Due Diligence Vendor-06/17/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-06/17/2025 | XXXX |  |  | NJ | Investment | Refinance | Cash Out - Other | 4453491 | N/A | N/A |
| XXXX | 85134 |  |  | Closed | 2025-06-16 12:01 | 2025-06-16 12:59 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Client elects to waive with the following compensating factors.<br> Exception Document page XXXX.<br> Exception Reason: OTHER-Allow entity vesting to a company that is not Limited to owning and managing real estate (flooring services). - Due Diligence Vendor-06/16/2025 |  | Waived-Loan does not conform to program guidelines Client elects to waive with the following compensating factors.<br> Exception Document page XXXX .<br> Exception Reason: OTHER-Allow XXXX vesting to a company that is not Limited to owning and managing real estate (XXXX XXXX). - Due Diligence Vendor-06/16/2025 |  |  | DTI - Loan File XXXX%, GL Requirement Max. XXXX%.<br> Credit Score - Loan File XXXX. GL Requirement Min XXXX.<br> Residual Income - Loan File $XXXX. GL Requirement $XXXX. <br> Job Stability- Loan File XXXX yrs, GL Requirement XXXX yrs | NJ | Investment | Refinance | Cash Out - Other | 4460674 | Originator Pre-Close | Yes |
| XXXX | 85146 |  |  | Closed | 2025-06-20 05:30 | 2025-06-26 06:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. - Seller-06/25/2025 <br> Open-Guidelines do not allow entity to sign note Note was signed by XXXX - XXXX on behalf of Business Entity, XXXX. Provide Exception - Due Diligence Vendor-06/20/2025 | Borrower signed note as XXXX instead of as individual, which differs from XXXX. This is fine since we have the guaranty - XXXX <br>Ready for Review-Document Uploaded. - Seller-06/25/2025 | Waived-Client elects to XXXX with the following compensating factors: - Due Diligence Vendor-06/26/2025 | XXXX |  | Credit Score - Loan File XXXX, GL Requirement Min XXXX<br> Reserves - Loan File XXXX months, GL Requirement Min XXXX months<br> Housing History - Loan File XXXX months, GL Requirement XXXX months<br> Personal Guaranty with full recourse executed by borrower present in file | NJ | Investment | Purchase | NA | 4508249 | Originator Pre-Close | Yes |
| XXXX | 85148 |  |  | Closed | 2025-07-11 11:43 | 2025-07-14 05:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised XXXX , Initial CD, COC and Disclosure Tracking received - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. - Seller-07/11/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025<br>| Resolved-Revised LE, Initial CD, COC and Disclosure Tracking received - Due Diligence Vendor-07/14/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4789421 | N/A | N/A |
| XXXX | 85148 |  |  | Closed | 2025-07-09 23:10 | 2025-07-14 04:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | 1-4 Family Rider is Missing | Resolved-Requested XXXX Family Rider provided hence resolved. - Due Diligence Vendor-07/14/2025 <br> Resolved-The XXXX Family Rider is Present - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. - Seller-07/11/2025 <br> Open-XXXX is Missing Provide XXXX Rider - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025<br>| Resolved-Requested XXXX provided hence resolved. - Due Diligence Vendor-07/14/2025 <br> Resolved-The XXXX is Present - Due Diligence Vendor-07/14/2025 | XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4761083 | N/A | N/A |
| XXXX | 85148 |  |  | Closed | 2025-07-09 22:13 | 2025-07-14 00:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Deed of Trust document provided. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. - Seller-07/11/2025 <br> Open-The Deed of Trust is Missing Provide Deed of Trust/ Mortgage. - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025<br>| Resolved-Deed of Trust document provided. - Due Diligence Vendor-07/14/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4760895 | N/A | N/A |
| XXXX | 85150 |  |  | Closed | 2025-07-10 01:41 | 2025-07-22 05:07 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Resolved, disclosure tracking summary received with all dates present. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. - Seller-07/21/2025 <br> Counter-Missing signatures for CD's dated XXXX and XXXX. Both disclosure tracking summaries provided are missing received dates they are blank and the CD's provided are missing signatures. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Disclosure tracking was uploaded? XXXX CD was dated? - Seller-07/18/2025 <br> Counter-Missing signatures for CD's dated XXXX and XXXX . Both tracking disclosures provided the dates are blank and the CD's provided are missing dates. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Open-Borrower signatures are missing under initial CD and revised CD. We need signed initial CD and revised CD or disclosure tracking summary. - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. - Seller-07/21/2025 <br> Ready for Review-Document Uploaded. Disclosure tracking was uploaded? XXXX was dated? - Seller-07/18/2025 <br> Ready for Review-Document Uploaded. - Seller-07/15/2025 | Resolved-Resolved, disclosure tracking summary received with all dates present. - Due Diligence Vendor-07/22/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4761481 | N/A | N/A |
| XXXX | 85150 |  |  | Closed | 2025-07-10 01:31 | 2025-07-21 05:17 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-07/21/2025 <br> Ready for Review-XXXX CC has the inspection fee. - Seller-07/18/2025 <br> Counter-Missing COC dated XXXX for the increase in inspection fee. COC dated XXXX only discloses a rate lock took place. - Due Diligence Vendor-07/16/2025 <br> Open- - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Open-Provide a COC for Final Inspection fee. - Due Diligence Vendor-07/10/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX); XXXX; XXXX). - Due Diligence Vendor-07/10/2025 <br> Open- - Due Diligence Vendor-07/10/2025 <br> Open- - Due Diligence Vendor-07/10/2025 | Ready for Review-XXXX has the inspection fee. - Seller-07/18/2025 <br> Ready for Review-Document Uploaded. - Seller-07/15/2025 | Resolved-Resolved - Due Diligence Vendor-07/21/2025<br>| XXXX |  | Received COC dated XXXX and revised LE dated XXXX showing the added inspection fee for missing hot XXXX XXXX XXXX. | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4761458 | N/A | N/A |
| XXXX | 85150 |  |  | Closed | 2025-07-15 06:47 | 2025-07-16 05:45 | Resolved | 1 - Information C A | Credit | Credit | Deficient self-employment income documentation. | Resolved-See Matrix under XXXX and "XXXX XXXX ". Bank Statements not required when score over XXXX . - Due Diligence Vendor-07/16/2025 <br> Ready for Review-See XXXX under P&L and "XXXX XXXX". XXXX not required when score over XXXX . - Seller-07/15/2025 <br> Open-Per Matrix P&L Documentation, most recent XXXX bank statements is required. Bank Statement from XXXX to XXXX is in the loan file. Provide the bank statements prior to XXXX or after XXXX. - Due Diligence Vendor-07/15/2025 | Ready for Review-See Matrix under P&L and "Qualifying XXXX". BS not required when score over XXXX. - Seller-07/15/2025 | Resolved-See Matrix under P&L and "XXXX XXXX". Bank Statements not required when score over XXXX. - Due Diligence Vendor-07/16/2025 |  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4817267 | N/A | N/A |
| XXXX | 85150 |  |  | Closed | 2025-07-10 00:34 | 2025-07-16 03:09 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Requested Gap Credit Report provided per G/Ls hence resolved. - Due Diligence Vendor-07/16/2025 <br> Resolved-Borrower XXXX Gap Credit Report is not expired. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Open-Borrower XXXX Gap Credit Report is Expired (Greater than XXXX days from Closing/Settlement Date). Gap report dated XXXX is not within XXXX business days of closing. Provide gap report dated within XXXX business days of closing date XXXX.<br> - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. - Seller-07/15/2025<br>| Resolved-Requested Gap Credit Report provided per XXXX hence resolved. - Due Diligence Vendor-07/16/2025 <br> Resolved-Borrower XXXX Gap Credit Report is not expired. - Due Diligence Vendor-07/16/2025 | XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4761297 | N/A | N/A |
| XXXX | 85149 |  |  | Closed | 2025-07-09 02:34 | 2025-07-14 13:23 | Resolved | 1 - Information C A | Property | Appraisal | Review Product 1 Valuation is Expired | Resolved-Valuation product XXXX. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. See XXXX from XXXX. - Seller-07/11/2025 <br> Open-Review Product XXXX Valuation is Expired (Review Product XXXX Valuation Date is greater than XXXX days from the Note Date of XXXX. Days Difference is XXXX) Review Product XXXX Valuation is Expired. provide updated one - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. See XXXX from XXXX. - Seller-07/11/2025 | Resolved-Valuation product XXXX. - Due Diligence Vendor-07/14/2025 | XXXX |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4745028 | N/A | N/A |
| XXXX | 85149 |  |  | Closed | 2025-07-09 03:28 | 2025-07-14 06:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested Initial CD Provided, Updated into system, Mavent Ran & Condition Resolved. - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. - Seller-07/11/2025 <br>Open-TRID: Missing Closing Disclosure initial CD is missing in the file . Provide initial CD - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025<br>| Resolved-Requested Initial CD Provided, Updated into system, Mavent Ran & Condition Resolved. - Due Diligence Vendor-07/14/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4745125 | N/A | N/A |
| XXXX | 85149 |  |  | Closed | 2025-07-14 06:12 | 2025-07-14 06:23 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Resolved - Due Diligence Vendor-07/14/2025 <br> Open-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 |  | Resolved-Resolved - Due Diligence Vendor-07/14/2025<br>|  |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4801592 | N/A | N/A |
| XXXX | 85149 |  |  | Closed | 2025-07-14 06:12 | 2025-07-14 06:23 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Inaccurate Loan Product - Redisclosure and Waiting Period | Resolved-Resolved - Due Diligence Vendor-07/14/2025 <br> Open-The Loan Product of (Fixed rate) on the Closing Disclosure is inaccurate. The actual Loan Product is (Fixed Rate). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (XXXX). If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it XXXX business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii); 1026.19(f)(2)(ii)(B)) - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 |  | Resolved-Resolved - Due Diligence Vendor-07/14/2025<br>|  |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4801593 | N/A | N/A |
| XXXX | 85149 |  |  | Closed | 2025-07-14 06:12 | 2025-07-14 06:23 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Foreclosure Rescission Finance Charge Tolerance | Resolved-Resolved - Due Diligence Vendor-07/14/2025 <br> Open-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge ($XXXX). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXXX below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 |  | Resolved-Resolved - Due Diligence Vendor-07/14/2025<br>|  |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4801594 | N/A | N/A |
| XXXX | 85149 |  |  | Closed | 2025-07-14 06:12 | 2025-07-14 06:23 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Corrected Closing Disclosure (Loan Product)(Last CD Received Date) | Resolved-Resolved - Due Diligence Vendor-07/14/2025 <br> Open-The last Closing Disclosure Received Date (XXXX) is not at least XXXX business days before the consummation date of (XXXX). The (Fixed rate) disclosed Loan Product on the last Closing Disclosure does not match the system calculated (Fixed Rate) Loan Product. Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than XXXX business days before the consummation date of (XXXX). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it XXXX business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(2)(ii)(B); OSC 19(f)(2)(ii)-1) - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 |  | Resolved-Resolved - Due Diligence Vendor-07/14/2025<br>|  |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4801595 | N/A | N/A |
| XXXX | 85149 |  |  | Closed | 2025-07-14 06:12 | 2025-07-14 06:23 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-07/14/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-07/14/2025 <br>Open- - Due Diligence Vendor-07/14/2025 |  | Resolved-Resolved - Due Diligence Vendor-07/14/2025<br>|  |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4801596 | N/A | N/A |
| XXXX | 85149 |  |  | Closed | 2025-07-14 06:12 | 2025-07-14 06:23 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Resolved - Due Diligence Vendor-07/14/2025 <br> Open-The Homeownership Counseling Disclosure Sent Date (XXXX) is more than 3 business days from the Application Date (XXXX). Three business days from the Application Date is (v). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 |  | Resolved-Resolved - Due Diligence Vendor-07/14/2025<br>|  |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4801597 | N/A | N/A |

---

## Exhibit 99.10

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.10 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 85133 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 57.14 | 57.14 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | XXXX |
| 85141 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| 85144 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 85136 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 85135 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 61.9 | 61.9 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 85139 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 55.0 | 55.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| 85132 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 85142 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 85147 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 85137 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| 85138 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 85145 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 85134 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| 85146 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 69.02 | 69.02 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| 85148 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 44.64 | 44.64 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 170.0 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 85140 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 66.1 | 66.1 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 85150 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 85149 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.65 | 60.65 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |

---

## Exhibit 99.10

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.10 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan ID** | **Loan ID** | **Investor Loan ID** | **Lender Name** | **Transaction ID** | **ULI** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 SSN** | **Borrower 1 Birthdate** | **Borrower 1 Gender** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Citizen** | **Borrower 1 Self-Employment Flag** | **Borrower 1 FTHB** | **Borrower 1 FICO Date** | **Borrower 1 Origination FICO** | **Borrower 1 Origination Equifax** | **Borrower 1 Origination Experian** | **Borrower 1 Origination TransUnion** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 SSN** | **Borrower 2 Birthdate** | **Borrower 2 Gender** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Citizen** | **Borrower 2 Self-Employment Flag** | **Borrower 2 FTHB** | **Borrower 2 FICO Date** | **Borrower 2 Origination FICO** | **Borrower 2 Origination Equifax** | **Borrower 2 Origination Experian** | **Borrower 2 Origination TransUnion** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 SSN** | **Borrower 3 Birthdate** | **Borrower 3 Gender** | **Borrower 3 Ethnicity** | **Borrower 3 Race** | **Borrower 3 Citizen** | **Borrower 3 Self-Employment Flag** | **Borrower 3 FTHB** | **Borrower 3 FICO Date** | **Borrower 3 Origination FICO** | **Borrower 3 Origination Equifax** | **Borrower 3 Origination Experian** | **Borrower 3 Origination TransUnion** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 SSN** | **Borrower 4 Birthdate** | **Borrower 4 Gender** | **Borrower 4 Ethnicity** | **Borrower 4 Race** | **Borrower 4 Citizen** | **Borrower 4 Self-Employment Flag** | **Borrower 4 FTHB** | **Borrower 4 FICO Date** | **Borrower 4 Origination FICO** | **Borrower 4 Origination Equifax** | **Borrower 4 Origination Experian** | **Borrower 4 Origination TransUnion** | **Subject Address** | **Subject City** | **Subject Sate** | **Subject Zip Code** | **Subject County** | **Originator Doc Type** | **Occupancy** | **Loan Purpose** | **Refinance Type** | **Qualifying Front End DTI** | **Qualifying DTI** | **Borrower 1 Qualifying Income** | **Borrower 2 Qualifying Income** | **Borrower 3 Qualifying Income** | **Borrower 4 Qualifying Income** | **All Borrower Total Qualifying Income** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Borrower 3 Employment Status** | **Borrower 4 Employment Status** | **Borrower 1 Length of Employment** | **Borrower 2 Length of Employment** | **Borrower 3 Length of Employment** | **Borrower 4 Length of Employment** | **4506-T Flag** | **All Borrower Residual Income** | **All Borrower Monthly Debt** | **Escrow Flag** | **Months Reserves** | **Liquid Cash Reserves** | **Original Note Loan Amount** | **Original Qualifying Loan Amount** | **Original Qualifying Base LTV** | **Original Qualifying LTV** | **Original Qualifying CLTV** | **Application Date** | **Note Date** | **Cash Disbursement Date** | **Mortgage Type** | **Loan Product** | **Loan Program** | **Original Note Interest Rate** | **Original Qualifying Interest Rate** | **Original P&I Payment** | **Original Qualifying P&I Payment** | **Monthly Escrow Payment** | **Original Total Housing Expense (PITIA)** | **First Payment Date** | **Amortization Type** | **Original Amortization Term** | **Original Term to Maturity** | **Maturity Date** | **ARM Gross Margin** | **ARM Rounding Method** | **ARM Rounding Factor** | **ARM Lookback Days** | **ARM Rate Index Type** | **Origination ARM Rate Index Value** | **ARM Initial Interest Rate Cap** | **ARM Subsequent Interest Rate Cap** | **ARM Initial Interest Rate Floor** | **ARM Lifetime Interest Rate Floor** | **ARM Initial Interest Rate Maximum** | **ARM Lifetime Interest Rate Maximum** | **ARM First Rate Reset Date** | **ARM First Payment Reset Date** | **ARM Subsequent Interest Rate Reset Frequency** | **ARM Subsequent Payment Reset Frequency** | **Interest Only Flag** | **Original Interest Only Term** | **Balloon Flag** | **Buydown Flag** | **Assumable Flag** | **Prepayment Penalty Flag** | **Prepayment Penalty Total Term** | **Prepayment Penalty Type** | **Origination Channel** | **PMI Flag** | **MI Certificate Number** | **Mortgage Insurance Percent** | **Mortgage Insurance Type** | **Mortgage Insurance Company Name** | **MERS MOM Flag** | **MERS Loan ID** | **Property Type** | **Number of Units** | **Year Built** | **Primary Value Property Valuation Date** | **Primary Value Property Valuation Type** | **Primary Value Property Value** | **Secondary Value Property Valuation Date** | **Secondary Value Property Form Type** | **Secondary Value Property Value** | **Sales Price** | **Qualifying Property Value** | **Date of Prior Sale** | **Days Since Prior Sale** | **Total Adjusted Prior Purchase Price** | **Flood Zone Flag** | **Flood Zone Code** | **Flood Policy Number** | **Other Lien Amount** | **Other Lien Position** | **Originator QM Status** | **Final QM Status** | **Total Number of Borrowers** | **Cash Out Amount** | **Total Origination and Discount Points** | **Number of Mortgaged Properties** | **Credit Report: Max Trade Line** | **Credit Report: Longest Trade Line** | **Credit Report: Number of Trade Lines** | **Credit Line Usage Ratio** | **Borrower 1 Years in Home** | **GSE Eligible Flag** | **AUS Case Number** | **AUS Recommendation** | **QM Points and Fees** | **Annual Percent Rate (APR)** | **Higher Priced Mortgage Loan (HPML) Flag** | **Covered/High Cost Loan Flag** | **Guideline Name** | **UW Guideline Author** | **Blanket Mortgage Flag** |
|  | 85133 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 814 | 814 | 834 | 804 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | Taxes and Insurance | XXXX | XXXX | XXXX | XXXX | 57.14 | 57.14 | 57.14 | XXXX | XXXX | XXXX | DSCR | Fixed | ACC - DSCR | 7.125 | 7.125 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 6 months interest on amount that exceeds 20% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 5649.0 | 2 | 300000 | 422 | 3 | 0.0023072289156626504 | XXXX | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 85141 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 683 | 683 | 681 | 692 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Employed |  |  |  | 5.25 |  |  |  | NA | XXXX | XXXX | Taxes and Insurance | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | ACC- Prime | 7.375 | 7.375 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2090.84 | 3 | 125000 | 230 | 22 | 0.1781626778908847 | XXXX | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 85144 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 804 | 804 | 805 | 798 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 813 | 813 | 838 | 803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Employed | Not Employed |  |  | 21.38 |  |  |  | Yes | XXXX | XXXX | Taxes and Insurance | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | ACC- Prime | 7.375 | 7.375 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 283595.94 | 1599.0 | 1 | 90000 | 279 | 8 | 0.007895827167801125 | XXXX | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 85136 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 750 | 724 | 757 | 750 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 751 | 733 | 751 | 754 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | Taxes and Insurance | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | DSCR | Fixed | ACC - DSCR | 7.5 | 7.5 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 6 months interest on amount that exceeds 20% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 8479.61 | 5 | 44750 | 374 | 8 | 0.4790029573299535 | XXXX | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 85135 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 632 | 600 | 643 | 632 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Employed |  |  |  | 10.27 |  |  |  | Yes | XXXX | XXXX | Taxes and Insurance | XXXX | XXXX | XXXX | XXXX | 61.9 | 61.9 | 61.9 | XXXX | XXXX | XXXX | Conventional | Fixed | ACC - Second Chance | 8.375 | 8.375 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 89733.84 | 1713.4 | 1 | 4500 | 121 | 7 | 0.8090980392156862 | XXXX | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 85139 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Foreign National |  | false | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | Taxes and Insurance | XXXX | XXXX | XXXX | XXXX | 55.0 | 55.0 | 55.0 | XXXX | XXXX | XXXX | DSCR | Fixed | ACC - DSCR | 7.375 | 7.375 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 6 months interest on amount that exceeds 20% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 7445.13 | 1 | 0 | -1 | 0 | 0 | XXXX | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 85132 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-Permanent Non-US Citizen | Yes | true | XXXX | 704 | 704 | 707 | 703 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Employed |  |  |  | 2.35 |  |  |  | Yes | XXXX | XXXX | Taxes and Insurance | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | Conventional | Fixed | ACC- Prime | 7.375 | 7.375 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1599.0 | 1 | 17689 | 18 | 4 | 0.3353125 | XXXX | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 85142 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-Permanent Non-US Citizen | Yes | true | XXXX | 755 | 755 | 731 | 760 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Employed |  |  |  | 4.23 |  |  |  | Yes | XXXX | XXXX | Taxes and Insurance | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | 85.0 | XXXX | XXXX | XXXX | Conventional | Fixed | ACC - Prime Plus | 8.875 | 8.875 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 4142.2 | 1 | 46604 | 64 | 3 | 0.103 | XXXX | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 85147 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 801 | 801 | 805 | 778 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Investment | Purchase | NA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Employed |  |  |  | 4.53 |  |  |  | Yes | XXXX | XXXX | Taxes and Insurance | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | 85.0 | XXXX | XXXX | XXXX | Conventional | Fixed | ACC- Prime | 7.625 | 7.625 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 6 months interest on amount that exceeds 20% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 15489.34 | 2 | 55778 | 114 | 6 | 0.027339642481598318 | XXXX | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 85137 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 646 | 676 | 644 | 646 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Employed |  |  |  | 2.99 |  |  |  | NA | XXXX | XXXX | Taxes and Insurance | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | 80.0 | XXXX | XXXX | XXXX | Conventional | Fixed | ACC - Second Chance | 7.875 | 7.875 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 4840.12 | 1 | 11311 | 132 | 7 | 0.045903614457831324 | XXXX | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 85138 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 759 | 759 | 769 | 746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Employed |  |  |  | 4.45 |  |  |  | 1 YR | XXXX | XXXX | Taxes and Insurance | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | 90.0 | XXXX | XXXX | XXXX | Conventional | Fixed | ACC- Prime | 8.625 | 8.625 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1599.0 | 2 | 35000 | 112 | 32 | 0.003144175169859151 | XXXX | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | 85145 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 782 | 814 | 767 | 782 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Second Home | Purchase | NA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Employed |  |  |  | 4.36 |  |  |  | Yes | XXXX | XXXX | Taxes and Insurance | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | 85.0 | XXXX | XXXX | XXXX | Conventional | Fixed | ACC- Prime | 7.625 | 7.625 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 10452.73 | 1 | 27963 | 136 | 6 | 0.11782608695652173 | XXXX | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 85134 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-Permanent Non-US Citizen | Yes | false | XXXX | 768 | 768 | 782 | 752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Investment | Refinance | Cash Out - Other | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Employed |  |  |  | 8.39 |  |  |  | Yes | XXXX | XXXX | Taxes and Insurance | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | 75.0 | XXXX | XXXX | XXXX | Conventional | Fixed | ACC- Prime | 7.5 | 7.5 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 6 months interest on amount that exceeds 20% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 184414.51 | 1599.0 | 1 | 5700 | 77 | 7 | 0.3031794871794872 | XXXX | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 85146 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 784 | 795 | 784 | 751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | Taxes and Insurance | XXXX | XXXX | XXXX | XXXX | 69.02 | 69.02 | 69.02 | XXXX | XXXX | XXXX | DSCR | Fixed | ACC - DSCR | 7.375 | 7.375 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 6 months interest on amount that exceeds 20% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 6920.25 | 2 | 66793 | 300 | 12 | 0.2315532643343434 | XXXX | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 85148 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 760 | 752 | 790 | 760 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Employed |  |  |  | 40.95 |  |  |  | Yes | XXXX | XXXX | Taxes and Insurance | XXXX | XXXX | XXXX | XXXX | 44.64 | 44.64 | 44.64 | XXXX | XXXX | XXXX | Conventional | Fixed | ACC- Prime | 6.875 | 6.875 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 3 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 558.21 | 20962.75 | 1 | 23196 | 274 | 3 | 0.08545454545454545 | XXXX | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 85140 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 787 | 787 | 802 | 756 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Employed |  |  |  | 3.43 |  |  |  | Yes | XXXX | XXXX | Taxes and Insurance | XXXX | XXXX | XXXX | XXXX | 66.1 | 66.1 | 66.1 | XXXX | XXXX | XXXX | Conventional | Fixed | ACC- Prime | 7.125 | 7.125 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1599.0 | 1 | 32141 | 152 | 6 | 0.18507944389275074 | XXXX | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 85150 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 741 | 745 | 741 | 723 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Employed |  |  |  | 4.25 |  |  |  | Yes | XXXX | XXXX | Taxes and Insurance | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | 70.0 | XXXX | XXXX | XXXX | Conventional | Fixed | ACC - Second Chance | 7.875 | 7.875 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 5064.0 | 1 | 8300 | 415 | 4 | 0.05660580021482277 | XXXX | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | 85149 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 630 | 598 | 630 | 675 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Rate and Term | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Employed |  |  |  |  |  |  |  | 1 YR | XXXX | XXXX | Taxes and Insurance | XXXX | XXXX | XXXX | XXXX | 60.65 | 60.65 | 60.65 | XXXX | XXXX | XXXX | Conventional | Fixed | ACC - Second Chance | 7.75 | 7.75 | XXXX | XXXX | XXXX | XXXX | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 1165.3 | 9174.0 | 1 | 26274 | 181 | 12 | 0.22272340425531914 | XXXX | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |

---

## Exhibit 99.10

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.10 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 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 | 66 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** |
| 85133 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.858 | 0.858 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | XXXX | XXXX | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 431.8 | XXXX | 431.8 | No | 57.14 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 85141 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | No | No | N/A | N/A |  | XXXX | XXXX | Manual Underwriting | Manual Underwriting | No | XXXX |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | DE | XXXX | XXXX | Annually | 39.05% | 39.06% | 39.06% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | XXXX | XXXX | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 17.7 | XXXX | 17.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 85144 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | No | No | N/A | N/A |  | XXXX | XXXX | Manual Underwriting | Manual Underwriting | No | XXXX |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 49.46% | 49.46% | 49.46% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | N/A | 0 | N/A | 0 | 2 | 0 | 0 | 0 | 1 | 2 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 12 | Borrower | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | XXXX | XXXX | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 106.6 | XXXX | 227.2 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 85136 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | NC | XXXX | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 0.894 | 0.894 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | XXXX | XXXX | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 255.4 | XXXX | 255.4 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 85135 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | No | No | N/A | N/A |  | XXXX | XXXX | Manual Underwriting | Manual Underwriting | No | XXXX |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | AZ | XXXX | XXXX | Monthly | 39.87% | 39.87% | 39.87% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | Less than 1 Month | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 2 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 12 | 12 | Work Number |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage - 2 YRS W2 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2023 | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | Unknown | No |  |  | No | XXXX | XXXX | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 34 | No | 61.9 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 85139 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | VA | XXXX | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.134 | 1.134 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | XXXX | XXXX | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 6.4 | XXXX | 6.4 | No | 55 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 85132 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | No | No | N/A | N/A |  | XXXX | XXXX | Manual Underwriting | Manual Underwriting | No | XXXX |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | FL | XXXX | XXXX | Monthly | 35.40% | 35.40% | 35.40% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | XXXX | XXXX | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 9.1 | XXXX | 9.1 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 85142 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | No | No | N/A | N/A |  | XXXX | XXXX | Manual Underwriting | Manual Underwriting | No | XXXX |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 46.68% | 46.68% | 46.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified, Executed 4506T Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | XXXX | XXXX | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 4.9 | XXXX | 4.9 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 85147 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  | XXXX | XXXX | Manual Underwriting | Manual Underwriting | No | XXXX |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 42.51% | 42.51% | 42.51% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | XXXX | XXXX | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 12.7 | XXXX | 12.7 | No | 85 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 85137 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | No | No | N/A | N/A |  | XXXX | XXXX | Manual Underwriting | Manual Underwriting | No | XXXX |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | FL | XXXX | XXXX | Annually | 15.74% | 15.74% | 15.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | XXXX | XXXX | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 9 | XXXX | 9 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 85138 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | No | No | N/A | N/A |  | XXXX | XXXX | Manual Underwriting | Manual Underwriting | No | XXXX |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | FL | XXXX | XXXX | Annually | 49.77% | 49.77% | 49.77% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 YR W2 |  | NA | N/A | 0 |  |  | 1 | 1 |  |  | 1 | 1 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 1 YR W2 Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | XXXX | XXXX | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 11 | XXXX | 11 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 85145 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | No | No | N/A | N/A |  | XXXX | XXXX | Manual Underwriting | Manual Underwriting | No | XXXX |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | FL | XXXX | XXXX | Monthly | 12.32% | 12.31% | 12.31% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 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 |  |  | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | XXXX | XXXX | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 38.2 | XXXX | 38.2 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 85134 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 18.24% | 38.17% | 38.17% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | XXXX | XXXX | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 0 | XXXX | 89.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 85146 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | NJ | XXXX | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.775 | 0.775 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | XXXX | XXXX | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 6 | XXXX | 6 | No | 69.02 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 85148 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | No | No | N/A | N/A |  | XXXX | XXXX | Manual Underwriting | Manual Underwriting | No | XXXX |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 40.13% | 40.13% | 40.13% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified, Executed 4506T Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | XXXX | XXXX | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 23.9 | XXXX | 23.9 | No | 44.64 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 85140 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | No | No | N/A | N/A |  | XXXX | XXXX | Manual Underwriting | Manual Underwriting | No | XXXX |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | NJ | XXXX | XXXX | Monthly | 36.29% | 35.06% | 35.06% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | XXXX | XXXX | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 59 | XXXX | 59 | No | 66.1 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 85150 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | No | No | N/A | N/A |  | XXXX | XXXX | Manual Underwriting | Manual Underwriting | No | XXXX |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 39.15% | 39.15% | 39.15% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - YTD Profit And Loss Verified, Executed 4506T Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | XXXX | XXXX | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 25.5 | XXXX | 25.5 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 85149 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | No | No | N/A | N/A |  | XXXX | XXXX | Manual Underwriting | Manual Underwriting | No | XXXX |  | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX |  | XXXX | XXXX |  | 39.57% | 39.57% | 39.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | NA | N/A | 0 |  |  | 2 | 1 |  |  | 1 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), YTD Profit And Loss Verified, 2 YRS W2 Verified, 1 YR Executed 4506T Verified, 1040 Schedule E Verified - 2024 - 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 1 YR Executed 4506T Verified, 1040 Schedule E Verified - 2024 - 2024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | XXXX | XXXX | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | XXXX | 35.9 | XXXX | 35.9 | No | 60.65 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |

---

## Exhibit 99.10

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.10 - Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LoanRecordID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXX | 85133 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1300 | Appraisal - 1007 |  | N/A |  |  | 1300 | Appraisal - 1007 | No | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1300 |  |  |  |  |  |  | No | No | 0.0 | 1 | 1 | N/A | 431.82 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 85136 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2375 | Appraisal - 1007 |  | N/A |  |  | 2375 | Appraisal - 1007 | No | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  | 2375 |  |  |  |  |  |  | No | No | 0.0 | 1 | 1 | N/A | 255.39 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 85139 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3000 | Appraisal - 1007 |  |  |  |  | 3000 | Appraisal - 1007 | No | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2000 |  |  |  | 3000 |  |  |  |  |  |  | No | No | 0.0 | 1 | 1 | N/A | 6.38 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 85147 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 3100 | Appraisal - 1025 |  | N/A |  |  | 3100 | Appraisal - 1025 | No | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 75000 |  | 0 |  | 3100 |  |  |  |  |  |  | No | No | 0.0 | 1 | 1 | N/A | 12.66 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 0 | Full Recourse | XXXX |
| XXXX | 85134 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 2500 | Appraisal - 1007 |  | N/A |  |  | 2500 | Appraisal - 1007 | No | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  | 9000 | 0 | 2500 |  |  |  |  |  |  | No | No | 1.5 | 1 | 1 | N/A | 89.84 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 85146 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2500 | Appraisal - 1007 |  | N/A |  |  | 2500 | Appraisal - 1007 | No | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 34000 |  |  |  | 2500 |  |  |  |  |  |  | No | No | 0.0 | 1 | 1 | N/A | 6.01 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |

---

## Exhibit 99.10

[MFA 2025-NQM5 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.10 - Schedule 7**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 85133 |  |  | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 85133 |  |  | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 85142 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| 85142 |  |  | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 85147 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 85147 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 85148 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 85148 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 85148 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 85140 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 85150 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| 85149 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |

---